Enterprise-grade core power, simplified for rapid scale.
Compete and win against legacy giants and nimble fintechs alike. Leverage the exact same modern, cloud-native architecture trusted by the world's largest institutions to slash operational costs, launch products in weeks, and scale seamlessly.
Vault Core has been instrumental in accelerating Judo Bank’s product development times, boosting system performance, and enhancing our agility. As Australia’s only purpose-built challenger bank for SMEs, we’re committed to innovation and scalability to better serve our customers. Vault Core’s technology enables us to deliver a banking experience that’s fast, flexible, and truly customer-focused.
Judo Bank
.avif)
Bpifrance wants to build on its network, experience and mission to offer French companies the best financing and support, both online and with business managers. With Thought Machine, we have chosen a cloud-native core banking system, operating entirely in event-driven logic and in real-time, perfectly aligned with our architectural choices and allowing us to achieve our ambitions.
Bpifrance
Our success is thanks in no small part to the tech stack decision we took to join forces with the future-thinkers at Thought Machine who help deliver a full-fledged cloud native bank.
Mox 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
Why agility-focused banks choose
Thought Machine
Build and deploy new products, fast
Deploy in days, not months. Realise your vision at market speed using a hyper-configurable engine that slashes your cost of change. Launch cards, lending, or stablecoins natively, and swap vendors instantly with zero integration overhead.
Drive automated, scalable operations
Streamline your entire ecosystem with real-time data streaming and consolidate products and payments onto one platform to eliminate silos and lower staff training costs.
Create frictionless, tailored customer experiences
Leverage highly configurable solutions to meet your customer needs, competing with the largest and most innovative.
Enhance resilience and manage risks
Never worry about down-time. Our architecture enables you to be truly 24/7 and scale quickly when required.
The complete solution to power your bank
Adopting Vault infrastructure gives you the agility to scale your business models incrementally, without the risk of a traditional "rip-and-replace" overhaul.
Vault Core for you
Our award-winning, cloud-native, real-time core platform.
Ready-to-Deploy Product Library
Launch accounts, deposits, and lending products in a fraction of the time using our catalog of pre-built, customisable product modules.
API-First Interoperability
Seamlessly connect with your existing tech stack, legacy systems, and preferred third-party fintech partners without the need for a risky "rip-and-replace.
Highly Configurable Engine
Escape the limitations of rigid templates. Build and tweak highly tailored financial products that perfectly match your brand and specific customer needs.
Phased, Low-Risk Migration
Adopt core capabilities at your own pace. Launch a parallel core for a specific new product line, or migrate existing portfolios step-by-step as you scale.
Vault Payments for you
Our cloud-native payment processing platform that allows banks to run every type of payment on a single platform.
Out-of-the-Box Scheme Integrations
Connect quickly to major domestic and international payment networks (like SEPA, FedNow, or SWIFT) using our pre-built payment rails.
Core-Agnostic Flexibility
Deploy alongside your current core banking system as an upgrade, or integrate it natively with Vault Core for a fully unified ecosystem.
Unified, Custom Workflows
Consolidate routing, clearing, and settlement across all payment types into a single hub, while maintaining the flexibility to set custom processing rules.
Scalable Payment Adoption
Future-proof your infrastructure. Turn on new payment types and modules individually only when your business strategy and customer demand require it.
The Thought Machine difference: true autonomy, rapid delivery
Independence
You can build your own products and recapture control over your roadmap, without dependency on Thought Machine.
Product excellence
With AI, digital assets, and more constantly changing performance requirements, we are constantly reinvesting in R&D to ensure our product meets the needs of tomorrow.
Reliable delivery
We have an outstanding record of success with no failed deployments.
Deeper relationships
We work closely with our across deployments, running banks, planning the bank of the future and much more. We have deep and long term highly positive relationships with our clients.
