Thought Machine

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.'
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
- Banking
- Core Banking
- Financial Services
- Payments
- Cloud Native
- Smart Contracts
- ISO 20022
- Ledger
- Fintech
- United Kingdom
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
  - Accounts
  - Postings
  - Streaming
  properties:
  - type: Documentation
    url: https://docs.thoughtmachine.net/
    x-note: partner login required (SSO via auth.thoughtmachine.net)
  - type: Website
    url: https://www.thoughtmachine.net/vault-core
- 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:
  - Payments
  - ISO 20022
  - Cards
  - Instant Payments
  - Clearing
  - Streaming
  properties:
  - type: Documentation
    url: https://docs.thoughtmachine.net/
    x-note: partner login required (SSO via auth.thoughtmachine.net)
  - type: Website
    url: https://www.thoughtmachine.net/vaultpayments
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.thoughtmachine.net/
- type: Documentation
  url: https://docs.thoughtmachine.net/
- type: DeveloperPortal
  url: https://portal.thoughtmachine.net/
- type: Blog
  url: https://www.thoughtmachine.net/blog
- type: Support
  url: https://www.thoughtmachine.net/contact
- type: GitHubOrganization
  url: https://github.com/thought-machine
- type: PrivacyPolicy
  url: https://www.thoughtmachine.net/privacy
- type: TermsOfService
  url: https://www.thoughtmachine.net/api-terms
- type: Sandbox
  url: sandbox/thought-machine-sandbox.yml
- type: WellKnown
  url: well-known/thought-machine-well-known.yml
- type: Authentication
  url: authentication/thought-machine-authentication.yml
- type: OAuthScopes
  url: scopes/thought-machine-scopes.yml
- type: Conformance
  url: conformance/thought-machine-conformance.yml
- type: Compliance
  url: https://www.thoughtmachine.net/
- type: DomainSecurity
  url: security/thought-machine-domain-security.yml
- type: Lifecycle
  url: lifecycle/thought-machine-lifecycle.yml
- type: Events
  url: asyncapi/thought-machine-streaming-events.yml
- type: LLMsTxt
  url: llms/thought-machine-llms.txt
x-enrichment:
  date: '2026-08-02'
  status: enriched
  artifacts_added: 11
  pass: local-v1