Prisma Goes Live on Tuum’s Modular Core, Establishing a New Standard for European Payment Institutions

WHY THIS MATTERS: This move by Prisma is a prime example of a regulated European payment institution shedding legacy systems for a modern, SaaS-based architecture. This isn’t just a technical upgrade; it reflects the critical industry trend of modular core banking. For PSPs and EMIs, the ability to rapidly adapt to complex, high-volume payment flows and stringent regulatory requirements—such as DORA—is paramount. By leveraging Tuum, Prisma gains direct, middleware-free connections to key payment schemes (like SEPA and SWIFT), vastly improving unit economics and speed. This transition is essential for any institution with global aspirations, as it shifts resources from constant defensive maintenance to proactive, international expansion. The key takeaway for the market is the increasing necessity of flexible, cloud-native infrastructure to support serious payment orchestration and operational scalability in a highly regulated landscape.

Prisma (PRISMA PAYMENTS EP, S.A.), a regulated payment institution licensed by the Bank of Spain, has successfully gone live on Tuum’s next-generation core banking platform. This strategic implementation represents Prisma’s move towards a modern, full SaaS stack, designed to enhance scalability and support its continued global expansion as the business grows.

Prisma specializes in providing robust payment and account services to companies worldwide that rely on complex payment flows and strict regulatory compliance. By migrating to Tuum, Prisma has deployed a comprehensive end-to-end capability specifically tailored for Electronic Money Institutions (EMIs) and Payment Service Providers (PSPs), and Fintechs, focusing heavily on Tuum’s Accounts and Payments modules.

The successful go-live delivers a “ready-to-go” architecture that provides several key strategic advantages for Prisma:

• Direct Connectivity & Efficiency: Tuum provides direct integrations with SWIFT, SEPA, and CentroLINK, completely removing the need for third-party middleware and allowing Prisma to process payments with significantly higher efficiency.
• Regulatory Confidence: Tuum’s resilient architecture – combined with a pre-built, direct integration to Hawk for rigorous AML compliance – strengthens Prisma’s ability to operate securely in a heavily regulated EU landscape, supporting readiness for DORA and ISO standards.
• A Shift to Intentional Expansion: By offloading the burden of maintaining legacy infrastructure, Prisma has improved its unit economics and can now shift its focus from defensive maintenance to intentional, sustainable expansion and customer value creation.

This partnership aligns with Tuum’s mission to serve as the “Bank Builder’s Platform,” demonstrating that Tuum is the platform of choice for European payment institutions seeking robust payment orchestration and seamless integrations.

“To support our global growth ambitions, we identified the need to evolve our core capabilities. Tuum’s modular platform represents a natural next step, enhancing our architecture with the agility required to handle complex payment flows and adapt quickly to regulatory change. We’re now operating on a core that supports intentional, sustainable expansion.” – Jose Carbajosa, CEO at Prisma

“Seeing Prisma go live is a great result for both teams. We didn’t just give them a ledger, we replaced their incumbent provider and gave them a full setup with Hawk and CentroLINK ready to go. Our engineering team takes a lot of pride in this platform, and that quality shows in how we can get a European payment institution up and running. Prisma’s CTO valued our transparency from the start, and that trust is why this partnership works.” – Miljan Stamenkovic, CRO at Tuum

FF NEWS TAKE: This is a significant indicator that the modular core banking migration wave is cresting, even for established, regulated entities. It clearly moves the needle for Tuum, solidifying its position as the platform of choice for sophisticated European payment institutions. The next thing to watch for is how quickly Prisma translates this newfound architectural flexibility into tangible new product launches or geographic expansion. The success of this “ready-to-go” model will influence other European EMIs to follow suit.