Thought Machine

Thought Machine provides the Vault platform, a modern core banking and payments system built from scratch for the cloud.

Our verdict

Who it's for

Build and run any financial product on a cloud-native core banking platform

Who should look elsewhere

Designed for large banks and fintechs, may be overkill or too complex for very small institutions.

+Complete control for banks to design and run any financial product or payment scheme.
+Cloud-agnostic architecture allows flexibility in hosting and avoids vendor lock-in.
+Trusted and invested in by top-tier global banks, validating its reliability and innovation.

−Designed for large banks and fintechs, may be overkill or too complex for very small institutions.
−Migration from legacy core banking systems could be a significant project requiring careful planning.

✓Cloud-native core banking platform (Vault Core) built from scratch for the cloud.
✓Cloud-agnostic deployment with flexibility to choose hosting provider and location.
✓Product Library of over 200 preconfigured financial products, from current accounts to mortgages.
✓Ability to create custom products like buy-now-pay-later, combined debit/credit cards, and offset mortgages.
✓Vault Payments for processing all payment types, schemes, and regions, with card issuing and processing on Mastercard.

No public pricing plans recorded.