# Tuum
*Also known as Tuum*

- Website: https://tuum.com
- Location: Tallinn, Estonia
- Agent profile: https://directory.haycion.ai/agents/tuum-com

> Tuum is a modular, API-first core banking platform enabling banks, lenders, and fintechs to modernize, scale, and innovate rapidly.

Tuum is a modular, API-first core banking platform designed to help financial institutions modernize legacy infrastructures, accelerate digital transformation, and scale to meet evolving customer needs. Built as a cloud-native, configurable system, Tuum enables banks, lenders, and fintechs to innovate rapidly, expand into new markets, and deliver secure, compliant financial services in a digital age.

**Mission:** Our mission is to empower financial institutions to modernize with speed and confidence, delivering flexible, cloud-native solutions that support growth, open collaboration, and responsible innovation across the financial services ecosystem.

## Products & Services

### [Banking as a Service Platform](https://tuum.com/banking-as-a-service-platform/)
*Platform*
Launch and scale financial services quickly with Tuum's BaaS platform and cloud-native infrastructure.

- **APIs & Integrations** — Connect Seamlessly.
- **Cloud‑Native, API‑First Scale** — Scale Quickly.
- **Proven Scale & Availability** — Assure High Availability.
- **Embedded Banking** — Enhance Customer Journeys.
- **Wallets & Multi‑Currency Accounts** — Offer Global Financial Services.
- **Real-Time Compliance** — Ensure Regulatory Compliance.
- **Payments & Cards as a Service** — Enable Payments Effortlessly.
- **Smart Payment Orchestration** — Automate Payments Efficiently.

### [Islamic Suite](https://tuum.com/islamic-suite/)
*Product*
Enable compliant Islamic banking services with flexibility and scalability.

- **AAOIFI Compliance & Deployment** — Ensure Regulatory Compliance
- **Independent Profit-Sharing Module** — Manage Profit Distribution
- **Islamic Lending & Financing** — Facilitate Asset-Based Lending
- **Islamic Deposit Accounts** — Offer Sharia-Compliant Deposits
- **Islamic Window Mode** — Enable Flexible Deployment
- **Real-Time Asset-Backed Trading** — Conduct Real-Time Trading

### [Lending](https://tuum.com/lending/)
*Product*
Accelerate lending processes and innovate with comprehensive management for personal, business, and embedded credit solutions.

- **Application & Offer Generation** — Streamline Loan Applications
- **Lending Engine** — Enhance Lending Capabilities
- **Loan Product Management** — Configure Loan Products Easily
- **Collateral Management** — Manage Collateral Effectively
- **Ecosystem Connectivity** — Integrate Seamlessly
- **Debt Management** — Automate Debt Notifications
- **Debt Collection Integration** — Optimize Recovery Processes

### [Payments](https://tuum.com/payments/)
*Product*
Streamline and automate domestic and cross-border payments with real-time compliance management.

- **Payments API** — Streamline Payment Processing
- **AML & Compliance Integration** — Enhance Compliance Measures
- **Open Connectivity** — Enable Seamless Integrations
- **Nostro & Liquidity Management** — Optimize Liquidity Management
- **Smart Payment Routing** — Improve Transaction Efficiency
- **Automated Processing & Exception Handling** — Ensure Operational Integrity
- **Settlement Integrations** — Accelerate Onboarding Processes

### [Payments & Wallets Engine](https://tuum.com/payments-wallets-engine/)
*Platform*
Facilitates real-time payments with multi-currency wallet support, enhancing digital financial services.

- **MDES Tokenization & Ecosystem** — Enhance Security with Tokenization
- **Real-Time Payments** — Execute Instant Transactions
- **Card Issuing & Embedded Payments** — Issue Cards Efficiently
- **Wallets & Multi-Currency Accounts** — Manage Multiple Currencies
- **Open API Connectivity** — Connect Across Diverse Platforms
- **Embedded Finance & Card Issuing** — Integrate Financial Services
- **Smart Payment Orchestration** — Automate Payment Processes
- **Gaming & Loyalty Wallets** — Support In-Game Transactions
- **Gift Cards & Prepaid Solutions** — Enable Prepaid Offerings

### [Unified Lending Solutions](https://tuum.com/unified-lending-solutions/)
*Solution*
Empowers financial institutions to efficiently launch and scale diverse lending products.

- **Loan Application & Offer Generation** — Accelerate Loan Processing
- **Lending Product Management API** — Customize Lending Offerings
- **End-to-End Automation** — Enhance Operational Efficiency
- **Collateral Management API** — Manage Assets Effectively
- **Underwriting & Risk Connectivity** — Integrate Risk Processes
- **Debt Management API** — Streamline Debt Collection
- **Loan Contract Management** — Simplify Contract Handling

## Market Segments

- **Banking as a service**: Enable banks, fintechs, and brands to embed, launch, and monetize banking capabilities via an API-first, cloud-native core with partner integrations and modular deployment.
- **Real-time payments and cross-border settlement**: Support real-time payment initiation, routing, FX conversion, and settlement across SWIFT, SEPA, local schemes and multiple rails with smart orchestration.
- **Card issuing and tokenization**: Issue and manage physical and virtual cards, support MDES tokenization, prepaid/gift card and loyalty wallet use cases for embedded finance and program managers.
- **Lending and credit lifecycle management**: End-to-end loan origination, offer generation, underwriting connectivity, collateral and debt management for personal, SME, BNPL and corporate lending.
- **Islamic banking**: Provide fully Sharia-compliant banking and financing capabilities, AAOIFI-aligned workflows, profit-sharing modules and Islamic window deployment.
- **Treasury and liquidity management**: Manage nostro positions, currency liquidity and settlement workflows to optimize cross-border cash flows and provider routing.
- **Regulatory compliance and fraud prevention**: Real-time AML/KYC screening, fraud detection and compliance controls integrated into transaction processing and onboarding flows.