Zenus Launches Infrastructure Bank

Embedded banking without borders: powering seamless global finance

Zenus Bank set out to do something few thought possible: offer U.S. banking services to customers around the world, through a fully digital infrastructure. But scaling that ambition meant rethinking the entire tech stack.

To bring their vision to life, Zenus partnered with Tuum and Purpleplum to build a cloud-native, modular infrastructure bank from the ground up—designed to power cross-border financial services for fintechs, corporates, and institutions.

Why Tuum?

Zenus chose Tuum as the core banking engine based on its:

• Global readiness: Multi-currency, API-first architecture built for cross-border scalability.
• Flexibility: Modular design tailored to Zenus’s shift from direct-to-consumer to embedded BaaS.
• Seamless interoperability: Tight integration with Purpleplum’s digital wallet platform.
• Smart migration: Rapid deployment completed in 12 months with zero service disruption.

Building the Infrastructure Bank of the Future

The partnership with Tuum and Purpleplum enabled Zenus to:

• Launch a fully unified front-to-back infrastructure for financial institutions (FIs).
• Offer virtual accounts, peer-to-peer transfers, and card services through a single API.
• Deliver advanced financial automation, from expense management to real-time reporting.
• Scale globally, while meeting complex regulatory requirements in multiple jurisdictions.

We truly worked together as one unified team, without seeing a distinction between each partner and Zenus. It’s a seamless, incredible partnership.”

Brian Frey

Head of Product and Innovation, Zenus Bank