The foundations of modern banking
From tier 1 global institutions to hyper-growth fintechs, the Vault platform provides the clean, cloud-native core banking and integrated payments infrastructure needed to power the future of finance.
Trusted by leading finance companies
The new standard in banking
In terms of Thought Machine... great team, great support, so far excellent. The people are very knowledgeable... we're learning from you guys.
Bancolombia
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
We saw an exciting opportunity to blend the excellent engineering standards of Thought Machine with our deep knowledge and understanding of banking. Our collaboration has been pivotal in bringing the first product to market. Our capacity to innovate is inspired by a shared commitment to building great things for our customers.
SEBx
In terms of Thought Machine... great team, great support, so far excellent. The people are very knowledgeable... we're learning from you guys.
Bancolombia
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
We saw an exciting opportunity to blend the excellent engineering standards of Thought Machine with our deep knowledge and understanding of banking. Our collaboration has been pivotal in bringing the first product to market. Our capacity to innovate is inspired by a shared commitment to building great things for our customers.
SEBx
Engineered for impact
Launch in weeks, not years.
Using a fully programmable platform, with unlimited customisation and zero architecture bottlenecks, you can build, test, and ship new products at the speed of the market.
Power advanced AI.
Access the real-time, structured transaction data needed to run predictive models, automate operations, and unlock new revenue streams.
Slash total cost of ownership.
Dramatically cut your IT overhead by modernising infrastructure, resolving technical debt, and lowering ongoing maintenance fees.
Hyper-personalise the customer experience.
Use continuous, real-time data to deliver contextual, tailored banking experiences that drive engagement and retention.
De-risk your migration.
Transform your infrastructure with confidence using a proven migration strategy that eliminates big-bang deployment risks.
The Vault platform
Banking’s most powerful solution to drive growth and innovation at speed.
Why this architecture stands apart
Clean three-level separation.
Built from scratch to isolate cloud infrastructure, core capabilities, and product logic. Changes to one level never bleed into another, allowing products and payment schemes to run completely independently.
True 24/7 real-time operations.
Continuous processing eliminates scheduled maintenance windows. Customers gain instant data visibility and constant access to balances, with zero scheduled or unscheduled downtime.
Fully programmable configurability.
Financial products and payment flows are defined via an independent configuration layer. Modify existing setups or deploy entirely new products instantly, free from vendor roadmaps.
A single, universal stack.
Run every business line, from retail and SME to complex corporate lending, on a single footprint. Exactly the same core platform is shipped globally, meaning code is never forked for individual customisations.
Tier 1 enterprise capabilities.
Engineered for high-scale institutions with native multi-processing groups for separate legal entities, high-volume account types, sub-accounts, and schemeless payment handling.
Uncompromising cloud-native resilience.
Deployed across three availability zones with automated failover. Validated for full core replatforming, delivering a Recovery Point Objective of 0 seconds and ultra-rapid recovery times.
Who we serve
Global and national banks
We support 20 of the world’s premier financial institutions to properly and permanently dismantle legacy technology, eliminate architectural complexity, and innovate entirely without limits.
Mid-size and regional banks
The foundational infrastructure to innovate at market speed, without compromising on performance, simplicity, or efficiency.
Fintechs, digital banks, and innovators
The definitive platform for the builders of tomorrow’s financial ecosystem
