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APIs · head to head

Skyflow vs Tuum

Skyflow logo

Skyflow

APIs

Data privacy vault that holds sensitive records outside your own systems

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: Skyflow reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.; 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: Skyflow covers Tokenised storage, Tuum covers Modular product structure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Skyflow and Tuum actually diverge.

Attributes where Skyflow and Tuum differ
AttributeSkyflowTuum
PlatformsAPI, Web, Self-hostedWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Skyflow

  • Tokenised storage
  • Polymorphic encryption
  • Field level access policies
  • Data residency
  • Secure functions
  • PCI scope reduction
  • Detokenisation gateway
  • Audit trail

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.

Skyflow

  • A fintech that wants card and bank account data out of its own infrastructure so its application servers leave PCI DSS assessment scopenot Tuum
  • A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Tuum
  • A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Tuum
  • An engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every servicenot Tuum

Tuum

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

Where each one falls short

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

Skyflow

  • Reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • Every read of a protected field becomes a network call to a third party, so latency and an external availability dependency enter paths that were previously local database reads, and outage planning has to account for a vendor you do not control.
  • Analytics and joins on vaulted data are constrained; work that was a simple SQL join now happens through secure functions or on tokens, and data teams routinely discover this after the engineering team has committed.
  • Unwinding the vault later is a rewrite rather than a migration because tokens are threaded through every service, so the switching cost climbs steadily and the negotiating position at renewal weakens with each release.
  • Scope reduction is an architectural claim your own assessor must accept, so the audit saving is real only if the implementation genuinely keeps sensitive values off your systems, and partial implementations that leave a cache or a log line in place deliver the cost without the benefit.

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

Skyflow

On request
  • Skyflow Data Privacy Vault$undefined/year
    • Platform fee plus usage by data subject count
    • Priced additionally per data residency region
    • PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage

Tuum

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

Which should you pick?

Choose Skyflow if

  • You need tokenised storage.
  • You work on API, Web, Self-hosted.
  • You also want polymorphic encryption.
Skyflow 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 Skyflow or Tuum better?
Neither clearly leads. Skyflow 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, Skyflow or Tuum?
Skyflow starts at On request and Tuum at On request.
Does Skyflow or Tuum run on more platforms?
Skyflow runs on API, Web, Self-hosted. Tuum runs on Web, API.
What is Skyflow best used for?
Skyflow is most often used for a fintech that wants card and bank account data out of its own infrastructure so its application servers leave pci dss assessment scope, a company entering india or the eu with data localisation obligations that would otherwise require standing up regional databases and operations, a health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reporting, an engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every service. Of those, a fintech that wants card and bank account data out of its own infrastructure so its application servers leave pci dss assessment scope and a company entering india or the eu with data localisation obligations that would otherwise require standing up regional databases and operations are not what Tuum is typically brought in for.
What can Skyflow do that Tuum cannot?
Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.

Answered from the vendors’ own pages

Skyflow: Does Skyflow really take my systems out of PCI scope?

It can, if card data never touches your infrastructure and the detokenisation happens at the boundary. Your QSA has to agree the design, so validate the architecture with your assessor before signing.

Tuum: Is Tuum the same company as Modularbank?

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

Skyflow: What does it cost?

Nothing is published. Reported annual contracts sit around 195,000 US dollars, built from a platform fee plus usage by data subject count and additional charges per data residency region.

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.

Skyflow: How does it help with data localisation?

Records can be pinned to a specified region, so an Indian or EU residency requirement is met by the vault rather than by you running regional databases and operations teams.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Skyflow: Can I still run analytics on vaulted data?

Partly. Aggregates and comparisons are supported through polymorphic encryption and secure functions, but arbitrary joins against other datasets are harder than they were, and this is the most common late surprise.

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