Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.
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Tuum (operating as Modular Technologies OÜ) was built from inception as a cloud-native, API-first, microservices-based core banking platform — a direct competitor to legacy core banking vendors. Rather than building a fintech product itself, Tuum positioned as infrastructure: enabling banks, EMIs, and brands to rapidly launch accounts, payments, lending, and card programmes without replacing entire legacy stacks. Its marquee customer LHV Bank — which itself powers 200+ fintechs — validated Tuum's BaaS-infrastructure thesis. The company has expanded beyond a pure core banking play by pre-integrating with card issuers (Marqeta), open banking compliance (Salt Edge), and payment settlement rails (Currencycloud, Banking Circle, Centrolink, LHV).
Other BaaS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #334 of 344 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/tuum/install" width="1" height="1" alt="" style="display:none">2 companies disclose Tuum in their stack in the Embedded Finance Index 2026, including Modularbank and LHV Bank.
Tuum is an embedded-finance provider in BaaS and Ledger. It ranks #334 of 344 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to Tuum are Evolve Bank & Trust (72 buyers), Unit (72 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers) and ClearBank (40 buyers).
Tuum is headquartered in Tallinn, Estonia.
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