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description=Thought Machine s Vault core banking platform gives banks full control to do, and build, anything they want. We designed the system from scratch to give our clients total choice, flexibility and power. The world s top banks have adopted the Vault platform as the foundation layer of their technology stack.;

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thought machine core banking software cloud native products vault core vault payments deployment deployment types integrations delivery partners clients case studies marketplace vault marketplace product library integration library acceleration library partners our partners marketplace coming soon partner portal coming soon insights newsroom rethinking blogs our company about us life at thought machine jobs enquire enquire about vault the foundations of modern banking vault core and vault payments are trusted by the world s leading banks core banking and payments technology built natively for the cloud thought machine named leader in the 2025 gartner magic quadrant for retail core banking systems thought machine has been recognised for completeness of vision and ability to execute in the 2025 gartner magic quadrant for retail core banking systems we feel this recognition reflects the strides we ve made as an organisation over the past few years and the continued evolution of our next generation cloud native core banking platform vault core trusted by banks worldwide access your complimentary copy of the report to see our full recognition get the report this graphic was published by gartner inc as part of a larger research document and should be evaluated in the context of the entire document the gartner document is available upon request from thought machine a modern core banking and payments platform in the cloud the vault platform gives banks complete control to build and run any financial product or payment scheme they want we designed both systems from scratch giving our clients total choice flexibility and power vault core vault core is our 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 read more about this vault payments vault payments is our 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 read more about this features of the vault platform cloud native we have developed vault core and vault payments from scratch without a single line of legacy or pre cloud code the products run natively in the cloud taking advantage of its unique features including horizontal scaling continuous deployment high availability and self healing capabilities read more about this configurability we designed vault core and vault payments for banks to build the technology stack they want and give them complete control the platform is built with an api first architecture giving banks the power to connect to services and technologies from other vendors all product creation is done in vault core s configuration layer using our smart contracts system a rich library of pre integrated solutions and pre configured smart contracts enables banks to go live quickly read more about this operational resilience banks can run any product payment scheme or type on a single platform with vault core and vault payments our clients control the entire process they can build test and launch any product they can imagine without constraints or dependencies banks can deploy the vault platform on any cloud infrastructure provider our clients decide how and where they want to host their instances of vault core and vault payments both are also available as saas read more about this microservices architecture the vault platform s microservices architecture is built from the ground up to take full advantage of cloud native computing enabling banks to have an elastic highly available and flexible core banking system which scales depending on load read more about this trusted by the world s leading banks trust and use our technology our global client list ranges from tier 1 multinationals to smaller regional banks and fintech companies worldwide many of these banks are also our investors including jpmorgan chase lloyds banking group ing standard chartered seb and intesa sanpaolo read our case studies company we have an unrelenting commitment to product excellence at thought machine our world class engineers apply themselves to developing core banking and payments technology that is truly unique in the scale of its ambition many of our team come from leading technology companies and bring best practices in software design and building scalable cloud infrastructure we are proud of our award winning culture and high performing collaborative and inclusive working environment about our team news and insights blogs webcasts press releases whitepapers meet the modern payments platform engineered for iso 20022 and efficiency read this article meet the modern payments platform engineered for iso 20022 and efficiency read this article instant payments looking beyond real time processing and iso 20022 read this article can you migrate in less than a year yes under the right conditions read this article core modernisation and ecosystem collaboration with accenture read this article empowering our clients to accelerate their modernisation read this article money20 20 banking infrastructure summit what to expect with a core modernization program read this article to be iso 20022 ready is not good enough read this article building a winning team with a strong culture read this article domain driven design and the future of payments read this article how does vault core compare to closed box systems and what does this mean for product development read this article introducing our enablement portal a complete resource for support knowledge and training on the vault platform read this article building a bank on top of kubernetes read this article from speech technology to banking read this article strategic partnership with lloyds banking group read this article cloud computing will save banks billions here s how read this article a demand for cobol expertise underlines the fragility of critical infrastructure read this article why are cloud systems so much more reliable read this article life may have slowed down but innovation doesn t read this article building a core banking system in a distributed environment read this article strengthening our commitment to cloud native design read this article modern core banking debunked watch on demand sign up modern core banking debunked watch on demand sign up what defines a modern banking experience watch on demand sign up deliver modern customer experiences watch on demand sign up decoupling the core from product configuration watch on demand sign up turbocharging banking with real time data watch on demand sign up what is cloud native and how do we get there watch on demand sign up the dna of next generation banking watch on demand sign up tier 1 market dominance drives thought machine revenue past 100m milestone read the press release tier 1 market dominance drives thought machine revenue past 100m milestone read the press release us senate federal credit union to transform its banking platform with thought machine s unified stack read the press release banco industrial backed zigi sets a new standard in banking innovation with thought machine technology read the press release general bank of canada selects thought machine to power bank that can stand for generations vision in canada read the press release shawbrook goes live on thought machine s vault core starting with a buy to let mortgage product read the press release thought machine partners with zopa bank to support the launch of its flagship bank account biscuit read the press release finca partners with thought machine to launch next generation operating platform to accelerate financial inclusion in africa read the press release bpifrance goes live on thought machine s vault payments starting with sepa instant payments read the press release thought machine named a leader in the 2025 gartner magic quadrant retail core banking highest position for ability to execute read the press release seb embedded goes live together with thought machine to drive baas innovation read the press release afin bank partners with thought machine to launch a new digital bank for africans in the uk read the press release bca syariah partners with thought machine to modernise islamic finance in indonesia read the press release judo bank upgrades its lending business banking platform with thought machine technology read the press release ethos partners with thought machine to pave the way for shariah compliant banking innovation read the press release payset adopts the full thought machine cloud native stack and signs for vault payments read the press release mastercard and thought machine accelerate core banking capabilities providing seamless payment experiences read the press release payu s lazypay partners with thought machine to shape the future of credit solutions in india read the press release thought machine partners with form3 to bring real time payment technology to the us and european markets read the press release cordada partners with thought machine to close the funding gap for smes in latin america read the press release intesa sanpaolo s isybank goes live on thought machine s next generation technology read the press release vault core peak performance proven the right way read this whitepaper vault core peak performance proven the right way read this whitepaper building for both worlds infrastructure for traditional and tokenised finance read this whitepaper the optimal solution to payment system architecture read this whitepaper domain driven design and the future of payments read this whitepaper transform banking transform core read this whitepaper the truth about cloud native core banking read this whitepaper sign up to our newsletter thank you you will now receive some incredible content in your inbox oops something went wrong while submitting the form for information about how we use your data please read our privacy policy london hq 7 herbrand street london wc1n 1ex united kingdom new york rockefeller center 1230 avenue of the americas floor 19 new york ny 10020 singapore level 7 republic plaza 9 raffles place singapore 048619 english deutsch 日本語 español vault core vault payments deployment options integrations delivery partners case studies rethinking newsroom blogs about us life at thought machine jobs enablement portal esg at thought machine 2023 thought machine group limited all rights reserved thought machine group limited is registered in england and wales registered number 11114277 registered office 5 new street square london ec4a 3tw press kit privacy notice modern slavery act legal notices