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 is listed with 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 📡 Profile data on GitHub

32.8/100 thin ▬ flat Agent 31/100 agent ready Heartbeat 83/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Core Banking Banking as a Service Payments Lending Cards Fintech Financial Services

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 32.8/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 8.1 / 17

Access Clarity 1.8 / 17

Operational Transparency 1.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 31/100 · agent ready

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

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 10.5 — up to +17.9 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Operational Transparency scores 15.8 — up to +10.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/tuum/apis.yml: open an issue on github.com/api-evangelist/tuum to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Tuum Core Banking API

Tuum's modular, API-first core banking platform. Per-module REST APIs (auth, person, employee, account, payment, card, loan, deposit, data-import, notification) versioned indepe...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Tuum Notification Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tuum Authentication

http/oauth2/mutualTLS · 2 schemes

SECURITY

Tuum Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

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
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  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
- Financial-Services
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 API — frequently asked questions

Does Tuum have an API?

Yes. APIs.io lists 1 API from Tuum, including Tuum Core Banking API.

How do I authenticate with the Tuum API?

Tuum documents its authentication (http/oauth2/mutualTLS · 2 schemes). The details are profiled on APIs.io as Tuum Authentication.

Is the Tuum API ready for AI agents?

Tuum has a Kin Score of 32.8 out of 100 (thin) and an Agent Readiness score of 31.3 (agent-ready), scored by API Evangelist on 2026-11-06.

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