Thought Machine

Vault Core

Vault Core is Thought Machine’s cloud-native core banking platform, built from scratch to run in the cloud. It is cloud agnostic, giving banks total flexibility to choose the hosting option and provider that best meets their needs.

Using Vault Core, banks can run any product they wish, allowing them to control and shape their strategy as they see fit. It can replicate a bank's existing back book of products and create entirely new ones, including current and savings accounts, credit cards, loans, and mortgages.

Banks have launched products from our Product Library, a catalogue of more than 200 preconfigured financial products, or built products themselves such as buy-now-pay-later offerings, a combined debit and credit card, offset mortgages and much more.

Vault Payments

Vault Payments is Thought Machine’s cloud-native payments processing platform designed to enable banks to run all payment types for every method, scheme, and region in the world.

Vault Payments seamlessly and dynamically embeds new and existing financial products into the payment platform while granting clients complete control over the payment’s life cycle. Vault Payments launched with card issuing and processing support on the Mastercard network.