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APIs · head to head

Tuum vs Yapily

Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Yapily has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • They diverge on capability: Tuum covers Modular product structure, Yapily covers Unified open banking API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Tuum and Yapily actually diverge.

Attributes where Tuum and Yapily differ
AttributeTuumYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes

Identical on both: 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 Tuum

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

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

What people use each for

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

Tuum

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

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot Tuum
  • A lending or budgeting product needing bank account data for affordability checksnot Tuum
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot Tuum
  • A company prototyping open banking features for free in sandbox before committing budgetnot Tuum

Where each one falls short

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

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.

Yapily

  • Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
  • Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
  • As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
  • Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.

Pricing, plan by plan

Tuum

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

Yapily

Free
  • SandboxFree
    • Free testing environment
    • UK and European bank connections for development
  • Production$undefined/month
    • Pay-as-you-go pricing, exact rates not published
    • Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction

Which should you pick?

Choose Tuum if

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

Choose Yapily if

  • You need unified open banking api.
  • You want to start without paying.
  • You work on Web, API.
  • You also want account information access.
Yapily review

Questions people ask

Is Tuum or Yapily better?
Neither clearly leads. Tuum starts at On request and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tuum or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Tuum and Free for Yapily.
Does Tuum or Yapily run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Tuum starts at On request.
What is Tuum best used for?
Tuum is most often used for a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once, a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus, an institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuild, a company researching "modularbank" that needs to confirm it is the same company now branded tuum. Of those, a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once and a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus are not what Yapily is typically brought in for.
What can Tuum do that Yapily cannot?
Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Tuum: Is Tuum the same company as Modularbank?

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

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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.

Yapily: How much cheaper is pay-by-bank than card payments?

Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

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