One ledger. Every product. Any line of business.

Built for global scale, Vault Core empowers financial institutions, from tier 1 banks to hyper-growth fintechs, to innovate at speed, operate with absolute confidence, and scale entirely free from legacy constraints.

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Launch products in weeks, not years

Slash product launch times to capture market share faster.

Slash total cost of ownership

Eliminate wasted technical overhead and legacy maintenance costs.

Exceed your customers’ expectations

Use real-time data and AI to build hyper-personalised products.

Uncompromising cloud-native resilience

Operate with true 24/7 availability, total fault tolerance, and zero scheduled downtime.

Trusted by teams at leading intuitions like yours

A universal core platform

Vault Core runs retail, SME, and complex corporate banking on a single, unified ledger.

By centralising all account data into a single source of truth, it eliminates silos, automates live financial tracking, and drives down operational costs, ensuring your institution is ready for the next generation of AI workflows and digital assets.

Why our architecture stands out

Traditional cores hardwire products into infrastructure, making updates slow and risky. Vault Core keeps your data unified on one ledger, while decoupling your business logic into three efficient layers:

Product level

Traditional cores fuse products to infrastructure, making updates slow and risky. Vault Core decouples them, using programmable smart contracts so your teams can build, test, and launch any financial product instantly.

Capability level

This high-performance layer handles the heavy lifting. By isolating foundational ledger workflows from product logic, Vault Core ensures your core operations remain fast, resilient, and always-on.

Cloud level

Total deployment flexibility across multi-cloud environments with complete vendor independence and data residency compliance.

The core for agentic banking

Vault Core is AI-native. It delivers the ultra-low latency, multi-region concurrency, and event-driven data streaming required to support autonomous global banking operations:

Agentic commerce: Powers AI-driven, programmatic consumer transactions.

Agentic operations: Enables self-optimising, AI-orchestrated back-office workflows.

Proven strategies for adoption

Thought Machine holds an industry-leading track record of flawless delivery and zero failed deployments across every type of banking transformation programme. We fit into your strategy through three flexible deployment models:

Coexistence: Integrates seamlessly alongside existing bank architecture to power advanced digital capabilities and user journeys.

Replatforming: Replicates the exact back book of a bank, ensuring smooth migrations that don't disrupt financial behavior or the customer experience.

Greenfield: Launches a new digital bank with total control over products and timelines, entirely free from vendor constraints.

Build banking without limits

Launch modern financial products and payment experiences on infrastructure designed for speed, flexibility, and continuous innovation.

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