APIs · head to head
Treasury Prime vs Tuum
Treasury Prime
APIs
Banking as a service platform sold to sponsor banks rather than to fintechs
- From
- On request
- Rated
- -
Tuum
APIs
Modular core banking platform from Estonia, formerly branded Modularbank
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Treasury Prime a fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.; 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: Treasury Prime covers BankOS, Tuum covers Modular product structure.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Treasury Prime and Tuum actually diverge.
| Attribute | Treasury Prime | Tuum |
|---|---|---|
| Platforms | API, Web | Web, 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 Treasury Prime
- BankOS
- OneKey Banking
- Deposit accounts
- Payments
- Card issuing
- Bank oversight tooling
- Ledger and reconciliation
- Programme onboarding
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.
Treasury Prime
- A community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmesnot Tuum
- A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Tuum
- A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Tuum
- A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Tuum
Tuum
- A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Treasury Prime
- A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Treasury Prime
- An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Treasury Prime
- A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Treasury Prime
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Treasury Prime
- A fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.
- Commercial terms including minimum deposit balances, reserve requirements and per transaction pricing are set by the bank rather than the platform, so two fintechs on the same software can face materially different economics with no public benchmark.
- The company cut roughly half its staff in the 2024 pivot, which reduced the teams that supported fintech customers directly and left fintechs relying on their bank for support rather than on the vendor who wrote the software.
- Bank risk appetite is now the binding constraint, and after the Synapse failure sponsor banks decline programmes in higher risk categories that a middleware provider would once have onboarded, so some business models simply cannot get placed.
- If your sponsor bank exits the programme or is told by its regulator to reduce fintech exposure, you are migrating your entire deposit base to another institution, and the software being the same at both ends does not make that a small project.
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
Treasury Prime
On request- BankOS$undefined/year
- Sold to sponsor banks, not directly to fintechs
- Fintech commercial terms are set by the sponsor bank
- Minimum deposits, reserves and per transaction fees vary by bank
Tuum
On request- Tuum$undefined/year
- Subscription and module-based pricing, not published
- Custom quote required via sales
Which should you pick?
Choose Treasury Prime if
- You need bankos.
- You work on API, Web.
- You also want onekey banking.
Choose Tuum if
- You need modular product structure.
- You work on Web, API.
- You also want low-code integration middleware.
Questions people ask
- Is Treasury Prime or Tuum better?
- Neither clearly leads. Treasury Prime 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, Treasury Prime or Tuum?
- Treasury Prime starts at On request and Tuum at On request.
- Does Treasury Prime or Tuum run on more platforms?
- Treasury Prime runs on API, Web. Tuum runs on Web, API.
- What is Treasury Prime best used for?
- Treasury Prime is most often used for a community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmes, a fintech that has already chosen its sponsor bank and needs api access to that bank rather than to a middleware layer, a company that wants deposits spread across several banks for fdic coverage beyond a single institution limit, a bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligation. Of those, a community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmes and a fintech that has already chosen its sponsor bank and needs api access to that bank rather than to a middleware layer are not what Tuum is typically brought in for.
- What can Treasury Prime do that Tuum cannot?
- Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.
Answered from the vendors’ own pages
Treasury Prime: Can a fintech buy Treasury Prime directly?
No. Since the 2024 pivot it sells to banks. A fintech contracts with a sponsor bank running BankOS, and the bank sets the terms.
Tuum: Is Tuum the same company as Modularbank?
Yes, Modularbank rebranded to Tuum; it is the same company and platform.
Treasury Prime: Why did it change model?
Regulatory pressure on the tri-party middleware structure, sharpened by the Synapse failure. Examiners want the bank holding the customer contract and the oversight obligation, which is what bank-direct means.
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.
Treasury Prime: What is OneKey Banking?
A way of spreading deposits across several banks in the network, used for FDIC coverage above a single institution limit and for resilience if one bank exits.
Tuum: Is pricing published?
No, subscription and module pricing require a sales conversation.
Treasury Prime: Is pricing published?
No, at neither the bank nor the fintech level. Fintech economics are set by the sponsor bank, so expect wide variation.
Related pages
More on Treasury Prime
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