Thought Machine

Core Banking

The foundations of modern banking: Core banking and payments technology built natively for the cloud.

Vault Core—cloud-native core banking for tier-1 banks—with a smart-contract-driven product engine.

• Founded: 2014
• Headquarters: London, UK
• Ownership: Private (VC-backed)
• Funding / valuation: $560M+ raised; ~$2.7B valuation
• Serves: Banks (tier 1) — Tier-1 banks
• Notable customers: JPMorgan Chase, Lloyds, Standard Chartered, Intesa Sanpaolo
• Core integrations: Own core
• Capabilities: Vault Core; Vault Payments; Smart Contracts; Product Library; Microservices architecture; Configuration Layer

Compliance watch-outs

Smart-contract product terms must match marketing exactly, making Reg DD precision important.

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