Tuum is built on a truly modern foundation: a cloud-native, API-first, microservices architecture free from legacy constraints or technical debt. Unlike retrofitted "modern" cores, Tuum delivers enterprise-grade functionality across retail, business, lending, payments, cards, and Islamic banking. It’s the latest of the latest, with everything you need to modernize, launch, and scale banking without limits. 

No rip-and-replace required. Tuum enables you to decouple from legacy systems incrementally to modernize your business, step-by-step, for today's digital demands, without disrupting day-to-day operations. 

Launch new products in weeks, not years. Whether you're embedding finance, entering new markets, or scaling a full BaaS business, Tuum removes the bottlenecks of legacy architecture so you innovate without limits, fast. 

Whether serving 10,000 users or 10 million, Tuum delivers consistent performance. Our platform supports 2,500+ transactions per second, 99.99% uptime, and elastic scaling on any cloud, in any market, with zero performance loss.  

Tuum supports multi-entity, multi-currency operations with full localization and compliance across jurisdictions. Whether you're expanding into new markets or scaling a global BaaS platform, you can move with confidence and control. 

Reduce operational overhead, eliminate legacy upgrade cycles, and reinvest freed-up budget into innovation. With Tuum, you shift from maintaining the past to building what's next while maximizing return on technology investment.  

Our open APIs, low-code tooling, and pre-built fintech integrations give you complete architectural freedom. Plug in what you need. Keep what works. Replace what doesn't. 

Tuum is trusted by leading institutions like LHV, OP Financial Group, and Zenus Bank. Our team brings deep domain knowledge and experience building real-time, high-performance banking systems that deliver at scale.