Thought Machine Vault

Thought Machine presents Vault, a modern core banking and payments platform designed to empower banks with flexibility and control. Vault consists of two primary components: Vault Core and Vault Payments.

### Vault Core
Vault Core serves as a Universal Product Engine, allowing banks to create a diverse array of financial products utilizing smart contracts. This innovative technology provides complete autonomy in product logic, enabling institutions to design unique offerings and seamlessly transition customers from legacy systems without disruption. The platform features a Product Library with over 30 pre-built financial products such as savings accounts, loans, and Islamic banking products. Banks can also simulate product performance prior to launch and leverage a powerful SDK for comprehensive product management.

### Vault Payments
Vault Payments is a cloud-native solution that facilitates the management of all payment types on a global scale. The platform supports a unified configuration framework for tailored payment flows and dynamic account routing, significantly enhancing customer financial control. It includes extensive card issuing and processing features, integrating with major card networks like Mastercard and upcoming Visa support. Vault Payments emphasizes automated decision-making, real-time data management, and a user-friendly interface for payment investigation, streamlining all payment processes through the Universal Payments Engine.

Designed with a microservices architecture and an API-first approach, Vault provides operational resilience and scalability, positioning banks to accelerate their modernization efforts and foster innovation in banking technology.