Thought Machine is a London-headquartered cloud-native core banking technology company founded in 2014 by Paul Taylor, with offices in New York and Singapore. It builds Vault Core, a universal product engine in which every banking product — mortgages, loans, deposits, credit cards, wallets and Islamic finance products — is expressed as a developer-written smart contract executed against a real-time ledger, and Vault Payments, a cloud-native payments processing platform that natively represents payments as ISO 20022 messages and runs card, instant (FedNow, UK New Payments Architecture, SEPA Instant), batch clearing and cross-border rails. Both products are API-first: Vault Core exposes a REST Core API, a Posting API for financial movements, a Kafka-based Streaming API that emits accounting, balance and customer events in real time, a Migration API for legacy core data, and a Contracts API for smart-contract functions. Deployment is SaaS or bank-hosted on AWS, Azure, GCP, IBM Cloud, OpenShift or hybrid. Clients include Lloyds Banking Group, Standard Chartered (Mox), JPMorgan Chase, SEB, ING Poland, Intesa Sanpaolo, Kiwibank, Lunar and Judo Bank. The developer documentation and API reference are published behind a partner login at docs.thoughtmachine.net; a separate TM Sandbox API programme is available by application.
Thought Machine publishes 2 APIs on the APIs.io network. Tagged areas include Company, Banking, Core Banking, Financial-Services, and Payments.
The Thought Machine catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Thought Machine’s developer surface includes documentation, engineering blog, support, sandbox, authentication, and 13 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Banking & Open Finance regime, so
Regulatory Posture carries 15 points of the composite.
If this regime is wrong for your business, say so on your
provider repo — the
applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for
this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero:
never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and
several others — scorable at all.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
Vault Core is Thought Machine's cloud-native core banking engine. Its API surface spans a REST Core API for external integrations (channels, CRM, operator UI), a Posting API tha...
Vault Payments is Thought Machine's cloud-native payments processing platform, able to run card, instant, batch clearing and cross-border payment types across schemes and region...
aid: thought-machine
name: Thought Machine
description: 'Thought Machine is a London-headquartered cloud-native core banking technology company founded in 2014 by Paul
Taylor, with offices in New York and Singapore. It builds Vault Core, a universal product engine in which every banking
product — mortgages, loans, deposits, credit cards, wallets and Islamic finance products — is expressed as a developer-written
smart contract executed against a real-time ledger, and Vault Payments, a cloud-native payments processing platform that
natively represents payments as ISO 20022 messages and runs card, instant (FedNow, UK New Payments Architecture, SEPA Instant),
batch clearing and cross-border rails. Both products are API-first: Vault Core exposes a REST Core API, a Posting API for
financial movements, a Kafka-based Streaming API that emits accounting, balance and customer events in real time, a Migration
API for legacy core data, and a Contracts API for smart-contract functions. Deployment is SaaS or bank-hosted on AWS, Azure,
GCP, IBM Cloud, OpenShift or hybrid. Clients include Lloyds Banking Group, Standard Chartered (Mox), JPMorgan Chase, SEB,
ING Poland, Intesa Sanpaolo, Kiwibank, Lunar and Judo Bank. The developer documentation and API reference are published
behind a partner login at docs.thoughtmachine.net; a separate TM Sandbox API programme is available by application.'
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: false
label: Hosted service · you call their endpoint
confidence: medium
source:
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: unknown
onboarding: self-serve
trial: false
try_now: false
public: false
label: Self-serve signup
confidence: medium
source:
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generated: '2026-09-02'
method: derived
image: https://cdn.prod.website-files.com/6371f3e94a645913703e255a/6371f3e94a645953333e28d3_TM_Logo_Black%20.svg
url: https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.23'
created: '2026-08-02'
modified: '2026-08-02'
tags:
- Company
- Banking
- Core Banking
- Financial-Services
- Payments
- Cloud-Native
- Smart Contracts
- ISO 20022
- Ledger
- Fintech
- United Kingdom
tags_raw:
- Company
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- Financial Services
- Payments
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apis:
- aid: thought-machine:vault-core
name: Thought Machine Vault Core API
description: Vault Core is Thought Machine's cloud-native core banking engine. Its API surface spans a REST Core API for
external integrations (channels, CRM, operator UI), a Posting API that manages financial movements (authorisation, settlement,
release of funds, credits and debits) against the real-time ledger, a Kafka-based Streaming API that emits accounting,
balance and customer events, a Migration API optimised for bulk legacy-core data loads, and a Contracts API exposing the
common functions available to smart contracts. Base URLs are per-deployment (SaaS tenant or bank-hosted cluster) and are
not published publicly; the API reference is served behind a partner login.
humanURL: https://www.thoughtmachine.net/vault-core
tags:
- Core Banking
- Ledger
- Smart Contracts
- Account
- Postings
- Streaming
tags_raw:
- Core Banking
- Ledger
- Smart Contracts
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- Streaming
properties:
- type: Documentation
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- aid: thought-machine:vault-payments
name: Thought Machine Vault Payments API
description: Vault Payments is Thought Machine's cloud-native payments processing platform, able to run card, instant, batch
clearing and cross-border payment types across schemes and regions. Payments are natively represented as ISO 20022 messages.
The platform exposes RESTful APIs plus streaming APIs that push payment, product, payment-instrument and configuration
data out in real time, and offers dynamic account routing that decouples payment instruments from funding sources. It
runs standalone against a legacy core or pre-integrated with Vault Core. Base URLs are per-deployment and are not published
publicly.
humanURL: https://www.thoughtmachine.net/vaultpayments
tags:
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x-note: partner login required (SSO via auth.thoughtmachine.net)
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maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
- FN: APIs.json
email: info@apis.io
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x-enrichment:
date: '2026-08-02'
status: enriched
artifacts_added: 11
pass: local-v1
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