APIs · head to head
Tuum vs Yodlee
Tuum
APIs
Modular core banking platform from Estonia, formerly branded Modularbank
- From
- On request
- Rated
- -
Yodlee
APIs
Long-running financial data aggregation with deep transaction history
- From
- On request
- Rated
- -
The short version
- 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.; Yodlee ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
- They diverge on capability: Tuum covers Modular product structure, Yodlee covers Account aggregation.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Tuum and Yodlee actually diverge.
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 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 Yodlee
- Account aggregation
- Long transaction history
- Investment and holdings data
- Account verification
- Transaction enrichment
- Cash flow analytics
- Document retrieval
- International coverage
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 Yodlee
- A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Yodlee
- An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Yodlee
- A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Yodlee
Yodlee
- A wealth platform that needs held-away brokerage holdings as well as bank balances to show a client their complete positionnot Tuum
- A lender doing cash flow underwriting that needs several years of transaction history rather than the ninety days newer aggregators returnnot Tuum
- A financial institution needing statement and tax document retrieval alongside transaction datanot Tuum
- A firm operating in several countries that wants one aggregator rather than a US provider plus a European onenot 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.
Yodlee
- Ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
- Parts of the connection estate still depend on credential based access, which banks and regulators are phasing out in favour of FDX APIs, so coverage will shift as institutions withdraw the older method and the migration is not under your control.
- The platform predates modern API design and developers consistently find the integration heavier and the data model more idiosyncratic than newer aggregators, which lengthens build time.
- Pricing is enterprise shaped with annual commitments and nothing published, so small and mid sized buyers have no anchor and cannot start without a sales cycle.
- Investment data, document retrieval and analytics are licensed on top of core aggregation, so the capabilities that justify choosing Yodlee over a cheaper rival are the ones that raise the price above it.
Pricing, plan by plan
Tuum
On request- Tuum$undefined/year
- Subscription and module-based pricing, not published
- Custom quote required via sales
Yodlee
On request- Yodlee Data Platform$undefined/year
- Priced by connected users, refresh frequency and data types
- Investment and document retrieval licensed separately from core aggregation
- Enterprise agreements with annual commitments
Which should you pick?
Choose Tuum if
- You need modular product structure.
- You work on Web, API.
- You also want low-code integration middleware.
Choose Yodlee if
- You need account aggregation.
- You work on API, Web.
- You also want long transaction history.
Questions people ask
- Is Tuum or Yodlee better?
- Neither clearly leads. Tuum starts at On request and Yodlee at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Tuum or Yodlee?
- Tuum starts at On request and Yodlee at On request.
- Does Tuum or Yodlee run on more platforms?
- Tuum runs on Web, API. Yodlee runs on API, Web.
- 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 Yodlee is typically brought in for.
- What can Tuum do that Yodlee cannot?
- Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Yodlee covers Account aggregation, Long transaction history, Investment and holdings data, Account verification.
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.
Yodlee: Who owns Yodlee now?
Private equity firm STG, which acquired it from Envestnet in a deal closing in 2025. Envestnet, itself taken private by Bain Capital and Reverence Capital in 2024, retained access through a partnership.
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.
Yodlee: Why choose Yodlee over Plaid?
Longer transaction history, deeper investment and held-away account coverage, and document retrieval. Those are wealth management and underwriting requirements rather than consumer fintech ones.
Tuum: Is pricing published?
No, subscription and module pricing require a sales conversation.
Yodlee: Does it still use screen scraping?
Parts of the estate rely on credential based connections, which the industry is phasing out in favour of regulated APIs. Ask for direct API coverage by institution before signing.
Yodlee: Is pricing published?
No. It is quoted by connected users, refresh frequency and data types, with investment data and document retrieval priced separately.
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