# Tuum

**Canonical:** https://apis.io/providers/tuum/  
**Website:** https://tuum.com/  
**APIs profiled:** 1

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.

## Kin Score — 35.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 34.8).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 47.6 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 32.8 (matched via tags).

## Agent readiness — 32.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (2)

- **Tuum Authentication** — http/oauth2/mutualTLS · 2 schemes
- **Tuum Domain Security** — TLSv1.3 · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tuum/). Scores are computed from the provider's own public artifacts under a published rubric.