Startups Directory

Thought Machine builds Vault Core, a cloud-native core banking platform that enables banks to run any financial product they design using smart contracts and a real-time ledger architecture. Unlike legacy monolithic systems, Vault Core is cloud-agnostic, microservices-based, and allows banks to migrate existing products while innovating new ones without disruption. The company also offers Vault Payments for global payment processing. Backed by tier-1 banks including JPMorgan Chase, ING, and Lloyds Banking Group as both customers and investors, Thought Machine has become the infrastructure layer modernizing legacy banking systems.