Tuum

Tuum, formerly known as Modularbank, is a core banking technology company founded in 2019 and headquartered in Tallinn, Estonia. It builds modular banking infrastructure so banks, lenders and other financial service providers can launch new products without replacing their entire core system.

The platform is organized into independent modules covering deposits and savings, lending, cards, payments and accounting, accessible through APIs and configurable without custom coding. Clients using Tuum include Bondora and other financial institutions across Europe expanding into digital and lending products.

1. Modular architecture: Independent banking modules that can be adopted one at a time.

2. Deposits and savings: Configurable fixed, notice and flexible deposit products.

3. Lending: Secured, unsecured and revolving credit for retail and SME borrowers.

4. Card issuing: Debit, credit and virtual card management.

5. Payments: Real-time and cross-border payments across SEPA and SWIFT rails.

6. API-first design: Cloud-agnostic platform configurable without custom code.