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Banking & Lending › Core Banking & Operations › core-banking-system
Thought Machine
Cloud-native core banking and payments platform designed for flexibility and control.
Overview
Thought Machine offers Vault Core and Vault Payments, cloud-native platforms built from scratch to run in the cloud, providing banks with complete control to build and run any financial product or payment scheme.
Vault Core is cloud agnostic, allowing banks to replicate existing products or create new ones such as current accounts, credit cards, loans, and mortgages, supported by a product library of over 200 preconfigured financial products.
Vault Payments enables banks to run all payment types globally with dynamic embedding of financial products and full lifecycle control, supporting card issuing and processing on the Mastercard network.
Key Features
- + Cloud-native architecture with horizontal scaling and high availability
- + API-first design enabling integration with third-party services
- + Smart contracts system for product configuration
- + Microservices architecture for elasticity and flexibility
- + Support for a wide range of financial products including loans and mortgages
- + Global payments processing with support for multiple schemes
- + Product Library with over 200 preconfigured financial products
- + Deployment flexibility across cloud providers and SaaS options
Integrations
Mastercard networkVarious cloud infrastructure providersThird-party financial services via APIs
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