Tuum

Tuum is a cloud-native, modular core banking platform that lets banks, fintechs, and other financial institutions launch and modernise financial products without legacy constraints. Its API-first platform is organised into independent modules — accounts, payments, cards, lending, deposits, and more — covering Banking-as-a-Service, payments processing, lending, and Islamic banking. Developers integrate over per-module REST APIs (auth-api, person-api, account-api, payment-api, card-api, loan-api, deposit-api, notification-api), authenticating with a JWT presented in the x-auth-token header (with a standards OAuth 2.0 authorization server also available), and receive near-real-time events via the Notification API's webhooks. Founded in Estonia (formerly Modularbank), Tuum is backed by investors including Speedinvest.

Tuum publishes 1 API on the APIs.io network. Tagged areas include Company, Core Banking, Banking as a Service, Payments, and Lending.

The Tuum catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Tuum’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, sandbox, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.9/100 thin ▬ flat Agent 33/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

1 APIs

CompanyCore BankingBanking as a ServicePaymentsLendingCardsFintechFinancial-Services

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 35.9/100 · thin

Contract Quality 9.6 / 21

Developer Ergonomics 8.1 / 17

Access Clarity 1.8 / 17

Operational Transparency 1.7 / 11

Contract Governance 1.9 / 10

Discoverability 7.4 / 9

Regulatory Posture 4.9 / 15

Agent readiness — 33/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tuum: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Lifecycle

Webhooks

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: tuum
name: Tuum
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 10
  pass: local-v1
description: Tuum is a cloud-native, modular core banking platform that lets banks, fintechs, and other financial institutions
  launch and modernise financial products without legacy constraints. Its API-first platform is organised into independent
  modules — accounts, payments, cards, lending, deposits, and more — covering Banking-as-a-Service, payments processing, lending,
  and Islamic banking. Developers integrate over per-module REST APIs (auth-api, person-api, account-api, payment-api, card-api,
  loan-api, deposit-api, notification-api), authenticating with a JWT presented in the x-auth-token header (with a standards
  OAuth 2.0 authorization server also available), and receive near-real-time events via the Notification API's webhooks. Founded
  in Estonia (formerly Modularbank), Tuum is backed by investors including Speedinvest.
url: https://raw.githubusercontent.com/api-evangelist/tuum/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://tuum.com/wp-content/uploads/2023/07/img-coverTuum.png
tags:
- Company
- Core Banking
- Banking as a Service
- Payments
- Lending
- Cards
- Fintech
- Financial-Services
tags_raw:
- Company
- Core Banking
- Banking as a Service
- Payments
- Lending
- Cards
- Fintech
- Financial Services
- API
apis:
- name: Tuum Core Banking API
  description: Tuum's modular, API-first core banking platform. Per-module REST APIs (auth, person, employee, account, payment,
    card, loan, deposit, data-import, notification) versioned independently in the URL path, authenticated with a JWT in the
    x-auth-token header, with a public sandbox and webhook events.
  humanURL: https://developer.tuumplatform.com/explore
  baseURL: https://auth-api.sandbox.tuumplatform.com
  tags:
  - Core Banking
  - Payments
  - Cards
  - Lending
  properties:
  - type: Documentation
    url: https://docs.tuum.com/tuum-developer-docs
  - type: APIReference
    url: https://developer.tuumplatform.com/explore
  - type: GettingStarted
    url: https://docs.tuum.com/tuum-developer-docs/getting-started/get-started
common:
- type: DomainSecurity
  url: security/tuum-domain-security.yml
- type: Website
  url: https://tuum.com/
- type: DeveloperPortal
  url: https://developer.tuumplatform.com/
- type: Documentation
  url: https://docs.tuum.com/tuum-developer-docs
- type: APIReference
  url: https://developer.tuumplatform.com/explore
- type: GettingStarted
  url: https://docs.tuum.com/tuum-developer-docs/getting-started/get-started
- type: Blog
  url: https://tuum.com/blog/
- type: Support
  url: https://tuum.com/get-in-touch/
- type: PrivacyPolicy
  url: https://tuumplatform.com/privacy-policy/
- type: Authentication
  url: authentication/tuum-authentication.yml
- type: Conventions
  url: conventions/tuum-conventions.yml
- type: Idempotency
  url: conventions/tuum-conventions.yml
- type: Lifecycle
  url: lifecycle/tuum-lifecycle.yml
- type: Deprecation
  url: lifecycle/tuum-lifecycle.yml
- type: Sandbox
  url: sandbox/tuum-sandbox.yml
- type: Webhooks
  url: asyncapi/tuum-notification-webhooks.yml
- type: Conformance
  url: conformance/tuum-conformance.yml
- type: WellKnown
  url: well-known/tuum-well-known.yml
- type: LLMsTxt
  url: llms/tuum-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io

Tuum

Kin Score

APIs 1

Tuum Core Banking API

Event Specifications 1

Tuum Notification Webhooks

Security Posture 2

Tuum Authentication

Tuum Domain Security

Resources