Tuum Unclaimed

Launch and scale financial services quickly with Tuum's BaaS platform and cloud-native infrastructure.

Enable compliant Islamic banking services with flexibility and scalability.

Accelerate lending processes and innovate with comprehensive management for personal, business, and embedded credit solutions.

Streamline and automate domestic and cross-border payments with real-time compliance management.

Facilitates real-time payments with multi-currency wallet support, enhancing digital financial services.

Empowers financial institutions to efficiently launch and scale diverse lending products.

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.

Support real-time payment initiation, routing, FX conversion, and settlement across SWIFT, SEPA, local schemes and multiple rails with smart orchestration.

Issue and manage physical and virtual cards, support MDES tokenization, prepaid/gift card and loyalty wallet use cases for embedded finance and program managers.

End-to-end loan origination, offer generation, underwriting connectivity, collateral and debt management for personal, SME, BNPL and corporate lending.

Provide fully Sharia-compliant banking and financing capabilities, AAOIFI-aligned workflows, profit-sharing modules and Islamic window deployment.

Manage nostro positions, currency liquidity and settlement workflows to optimize cross-border cash flows and provider routing.

Real-time AML/KYC screening, fraud detection and compliance controls integrated into transaction processing and onboarding flows.

Banking as a Service Platform

Empower fintechs, brands, and banks to launch, monetize, and embed financial services in new distribution channels. The BaaS platform delivers embedded banking, payments and cards as a service, wallets with multi-currency accounts, and an API-first, cloud-native core designed for rapid scale and regulatory compliance.

• Connect Seamlessly.
  Integrate easily with a wide range of partners and tools, enhancing adaptability and speed to market.
• Scale Quickly.
  Designed to handle thousands of transactions per second with high availability across geographies.
• Assure High Availability.
  99.99% uptime guarantees continuous service and robust performance under peak loads.
• Enhance Customer Journeys.
  Allow brands to seamlessly integrate financial services into their existing platforms for a cohesive customer experience.
• Offer Global Financial Services.
  Support international payments with multi-currency capabilities, ensuring convenience for users worldwide.
• Ensure Regulatory Compliance.
  Protect against fraudulent activities while maintaining compliance across multiple jurisdictions.
• Enable Payments Effortlessly.
  Facilitate real-time payments through physical and virtual card issuing integrated into digital platforms.
• Automate Payments Efficiently.
  Implement smart algorithms to optimize payment processing for cost and speed.

Islamic Suite

Tuum’s Islamic Suite enables banks to offer fully Sharia-compliant financial services, either as standalone Islamic banks or through Islamic windows. It includes core Islamic products, AAOIFI-compliant operations, partner integrations, and a modular path to future Islamic finance offerings.

• Ensure Regulatory Compliance
  Facilitates automated compliance checks against recognized standards to ensure operational integrity.
• Manage Profit Distribution
  Enables effective management of profit-sharing between depositors and banks for transparency and equity.
• Facilitate Asset-Based Lending
  Supports real-time lending operations under Sharia principles, expanding access to financing.
• Offer Sharia-Compliant Deposits
  Provides a range of deposit products that align with Islamic finance principles, enhancing customer base.
• Enable Flexible Deployment
  Allows banks to offer Sharia-compliant products alongside conventional services.
• Conduct Real-Time Trading
  Facilitates quick and compliant asset transactions, enhancing service offerings.

Lending

Tuum’s Lending module enables banks to design and manage a wide range of lending products with speed and precision. From secured and unsecured personal loans to complex corporate credit lines, the module supports end-to-end loan lifecycle management while integrating seamlessly with underwriting, risk, and debt collection systems.

• Streamline Loan Applications
  Automates the lending journey from application to offer, enhancing customer experience and operational efficiency.
• Enhance Lending Capabilities
  Equips banks to launch diverse lending products rapidly, ensuring responsiveness to market demands.
• Configure Loan Products Easily
  Allows banks to define interest calculations, fees, and flexible pricing models tailored to customer requirements.
• Manage Collateral Effectively
  Enables registration and management of assets, tracking their usage and availability to minimize risk.
• Integrate Seamlessly
  Facilitates effortless connections to essential external systems for credit risk scoring and collection operations.
• Automate Debt Notifications
  Tracks outstanding debts and automates notification processes to improve collection strategies.
• Optimize Recovery Processes
  Ensures effective management of overdue accounts through integrated collection workflows, improving recovery rates.

Payments

Payments module supports the full lifecycle of payment and direct debit processing across SEPA, SWIFT, FX, and local schemes. With flexible routing, pre-built integrations, and robust liquidity management, it enables seamless execution and settlement of both domestic and cross-border payments, backed by real-time compliance controls.

• Streamline Payment Processing
  Automate the initiation and validation of payments across multiple payment schemes for improved efficiency.
• Enhance Compliance Measures
  Ensure adherence to AML and KYC regulations effortlessly with built-in integration and real-time transaction monitoring.
• Enable Seamless Integrations
  Leverage open APIs to connect easily with third-party providers and integrate essential services into your payment infrastructure.
• Optimize Liquidity Management
  Maintain optimal liquidity across various currencies, ensuring effective management of nostro accounts for smooth payment processing.
• Improve Transaction Efficiency
  Utilize smart routing rules to ensure quick and cost-effective payment settlements across multiple service providers.
• Ensure Operational Integrity
  Facilitate seamless transaction processing while providing mechanisms for manual intervention if needed.
• Accelerate Onboarding Processes
  Reduce time to market with pre-integrated settlement providers for fast and effective payment execution.

Payments & Wallets Engine

Real-time cross-border payments and multi-currency wallets. Move money in real time, issue digital wallets, and connect to payment rails with open APIs; includes card issuance, MDES tokenization, and ecosystem connectivity for seamless settlement.

• Enhance Security with Tokenization
  Utilizes Mastercard Digital Enablement Services (MDES) to secure payments through tokenization, improving customer trust and data security.
• Execute Instant Transactions
  Enables real-time money transfers, supporting cross-border transactions effortlessly and enhancing customer satisfaction.
• Issue Cards Efficiently
  Provides tools to issue and manage physical and virtual cards, ensuring simple integration for seamless payment experiences.
• Manage Multiple Currencies
  Supports digital wallets that accommodate various currencies, allowing clients to transact globally without hindrances.
• Connect Across Diverse Platforms
  Offers an open API architecture, facilitating seamless integration with various partners and platforms to enhance payment solutions.
• Integrate Financial Services
  Enables the fusion of banking features like payments and card issuing directly into customer-facing platforms, enhancing user experiences.
• Automate Payment Processes
  Facilitates the effective routing and settlement of payments, ensuring efficient and timely transactions across multiple payment rails.
• Support In-Game Transactions
  Facilitates real-time transactions within gaming platforms, making it easy to manage player accounts and loyalty rewards effectively.
• Enable Prepaid Offerings
  Supports the issuance of gift cards and prepaid options, boosting flexibility for retailers and consumer engagement.

Unified Lending Solutions

Lending platform to launch and scale modern lending products quickly, from personal and BNPL to SME financing. It includes lifecycle management APIs, application and offer workflows, contract management, collateral and debt management, and seamless underwriting ecosystem integrations.

• Accelerate Loan Processing
  Enhances the customer experience by facilitating quick loan applications and tailored offers through configurable campaigns.
• Customize Lending Offerings
  Enables institutions to define interest rates, fees, and repayment structures tailored to customer needs.
• Enhance Operational Efficiency
  Reduces manual processing time significantly, allowing faster loan disbursements and improved customer satisfaction.
• Manage Assets Effectively
  Allows financial institutions to register and manage asset-backed securities while tracking collateral usage and relationships.
• Integrate Risk Processes
  Ensures efficient linking of credit risk assessments and underwriting decisions with the lending platform.
• Streamline Debt Collection
  Supports tracking overdue invoices and automates debt notification, enhancing collections strategies.
• Simplify Contract Handling
  Handles the complete lifecycle of loan contracts, including disbursement and repayment scheduling for operational efficiency.