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APIs · head to head

Sila vs Tuum

Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

From
On request
Rated
-
Full reviewWebsite
Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.; Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • They diverge on capability: Sila covers ACH origination, Tuum covers Modular product structure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Sila and Tuum actually diverge.

Attributes where Sila and Tuum differ
AttributeSilaTuum

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, API), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

Only in Tuum

  • Modular product structure
  • Low-code integration middleware
  • Cloud-agnostic deployment
  • Multi-currency real-time accounts
  • Cards and lending modules
  • Faster migration timeline

What people use each for

The jobs each tool is most often brought in to do.

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Tuum
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Tuum
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Tuum
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot Tuum

Tuum

  • A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Sila
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Sila
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Sila
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Sila

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

Tuum

  • It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
  • Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
  • Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
  • As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

Pricing, plan by plan

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

Tuum

On request
  • Tuum$undefined/year
    • Subscription and module-based pricing, not published
    • Custom quote required via sales

Which should you pick?

Choose Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Choose Tuum if

  • You need modular product structure.
  • You work on Web, API.
  • You also want low-code integration middleware.
Tuum review

Questions people ask

Is Sila or Tuum better?
Neither clearly leads. Sila starts at On request and Tuum at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Sila or Tuum?
Sila starts at On request and Tuum at On request.
Does Sila or Tuum run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
What is Sila best used for?
Sila is most often used for a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three, a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself, a community bank replacing batch file ach processing with an api so it can offer real-time payments to business customers, a lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integration. Of those, a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three and a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself are not what Tuum is typically brought in for.
What can Sila do that Tuum cannot?
Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.

Answered from the vendors’ own pages

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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