The ultimate launchpad for the builders of tomorrow.
Build, test, and launch without architectural limits. Power your brand with a real-time, highly configurable smart contract engine designed to deliver hyper-personalised customer experiences and seamless global payment schemes at absolute speed.
Drawing on my extensive experience in the core banking market, I understand what defines a high-quality, next-generation platform. We selected Vault for its product excellence. It is cloud-native, highly configurable, and uniquely universal. Its innovative use of smart contracts lets us develop differentiated products efficiently and quickly. The exceptional engineering support and comprehensive documentation equip our team to leverage this groundbreaking technology.
Afin Bank
To continue scaling our service across the region, investing in the latest and best technology is a top priority for Lunar. We searched for a core banking engine that would enable us to deliver on our product roadmap – not dictate it. Thought Machine’s core banking platform, Vault Core, was by far the most flexible technology available in the market. By removing the constraints and unlocking opportunities, Vault Core will enable us to build targeted products and streamline workflows as we scale.
Lunar
We worked collaboratively with Thought Machine to test, deploy and deliver an easy-to-use, real-time banking service, which we are truly proud of. Vault Core is a foundational technology for building and growing Trust Bank.
Trust Bank
Right from the start, we recognised a powerful alignment in how we and Thought Machine analyze problems. Beyond their deep expertise in banking and tech, they offer something unique: a Strategic Client Forum. Being able to openly discuss modernization, dilemmas, and solutions alongside the world's largest banks is a massive benefit—and something no other vendor provides.
Finubit
In terms of Thought Machine... great team, great support, so far excellent. The people are very knowledgeable... we're learning from you guys.
Bancolombia
Drawing on my extensive experience in the core banking market, I understand what defines a high-quality, next-generation platform. We selected Vault for its product excellence. It is cloud-native, highly configurable, and uniquely universal. Its innovative use of smart contracts lets us develop differentiated products efficiently and quickly. The exceptional engineering support and comprehensive documentation equip our team to leverage this groundbreaking technology.
Afin Bank
What digital disruptors achieve with Thought Machine
Accelerate time to market and unlock massive revenue
Build, test, and ship highly bespoke products at startup speed. Use a fully programmable platform free from architectural bottlenecks to get to market faster and capture early revenue.
Customer experience that sets the industry standard
Define the edge of fintech capabilities. Leverage continuous, instant data flows to serve hyper-tailored financial journeys that structurally lift engagement, drive retention, and eliminate friction.
Optimised unit economics from day one
Significantly reduce total cost of ownership as you scale. Eliminate the need for expensive workarounds and bloated engineering teams by consolidating your architecture into a single, clean infrastructure.
Future-proof scalability
Build on critical infrastructure that scales with you. Whether launching greenfield or migrating off a restrictive initial tech stack, our proven methodology ensures you never have to replatform again.
Overcoming scaling bottlenecks and technical debt
While fintechs and digital banks command unmatched agility, their long-term potential is often structurally restricted by early technology choices and rigid vendor limitations.
Inflexible BaaS and SaaS architectures
Hardcoded platforms lock you into predefined data models, trapping data, requiring manual workarounds, and forcing simple product changes to rely on the vendor's roadmap
The technical debt trap
Traditional lightweight solutions help you launch fast but fail at scale, leaving growing banks captive to unresponsive support and an inability to handle complex, multi-product ecosystems.
Compromised system reliability under load
Growing pains and scheduled maintenance windows prevent true 24/7 availability, creating operational risks just as customer acquisition peaks.
Engineering friction
Maintaining tangled integrations and workarounds hinders your ability to attract top-tier engineering talent, shifting focus away from building unique product IP.
Vault Core & Vault Payments: Built for agile, high-growth innovators
Adopting our integrated infrastructure provides the developer autonomy and architectural agility required by modern fintechs and digital challenger banks.
Vault Core
A universal, cloud-native core banking engine designed to run every product and line of business—from basic retail accounts to complex SME lending—out of a single instance.
Highly configurable
Isolate financial logic from the core platform. Write your own product rules in Python to launch any financial product imaginable without expensive vendor change requests.
Hyper-volume accounts & real-time processing
Specialised architecture designed to handle massive traffic spikes, micro-transactions, and complex real-time ledger requirements.
Institutional-grade resiliency
Enterprise fault tolerance engineered for zero data loss, continuous availability, and rapid scaling on demand.
Vault Payments
A modular, scheme-agnostic payments platform built to handle complex orchestration across your rapidly expanding ecosystem.
API-first deployments
Connect seamlessly with Vault, or link with any number of external systems to effortlessly create products, manage operations, or orchestrate payments across your entire architecture.
Routing flexibility
Control payment gateway and scheme selection dynamically for each transaction based on speed, availability, cost, and custom rules—optimising your margins in real time.
Unmatched capabilities
Benefit from enhanced payment capabilities that complement your core offerings, such as mandate management, standalone stand-in processing, and payee management.
Why the world’s most innovative fintechs partner with Thought Machine
Unmatched developer autonomy
We provide complete architectural independence. You gain a long-term partner and a true platform, meaning you can write your own code, build unique IP, and launch new services without ever needing our permission.
Product excellence and modern stack
As digital assets, AI, and hyper-personalisation rapidly evolve, we continuously reinvest in R&D. Our API-first, cloud-native infrastructure ensures your core meets tomorrow's commercial demands today.
Institutional grade at startup speed
You get the exact same robust, fault-tolerant platform trusted by the world's largest tier 1 banks, but delivered with the flexibility and developer experience required by agile teams.
Flexible, phased scaling
Our technology integrates cleanly into your existing microservices environment. This allows for step-by-step feature rollouts or incremental migration strategies that entirely remove the risks of outgrowing your initial tech stack.
