Name: Vault by Thought Machine
Author: Thought Machine

Help Desk

Web and Video Conferencing

Customer Support

AI Code Generation

Development

Business Intelligence (BI)

Collaboration

Contract Analysis

Enterprise Content Management

Payment Facilitation

Visitor Management

Enterprise

Accounting

CTRM

Travel Management

Finance and Accounting

Applicant Tracking

Compensation Management

Corporate Learning Management

HR Management

Payroll

Talent Intelligence

Talent Management

Workforce Analytics

Workforce Management

Human Resources

Access Gateways

Application Server

Cloud Storage

Container Security

Data Center Backup

Data Preparation

Embedded Database

Enterprise Service Bus

Fraud Detection

Infrastructure-as-a-Service

Integration Platform as a Service (iPaaS)

LAN Switches

Message Oriented Middleware

Mobile Data Security

Mobile Identity

Monolithic Frame-based Disk Arrays

Network Performance Monitoring

Storage as a Service (STaaS)

Value-Added Resellers (VARs)

Virtualization Management

Website Hosting

Information Technology

A/B Testing

Ad Serving & Retargeting

All-in-One Marketing

Content Management

Customer Advocacy

Ecommerce Personalization

Email Marketing

Marketing Attribution

Marketing Automation

Mobile Advertising

Social Media Management

Survey & Forms Building

Web Analytics

Marketing

Project Management

Task Management

Professional Services

Customer Onboarding

Customer Relationship Management (CRM)

Sales Content Management

Sales Performance Management

Sales Training

Sales

Cloud Infrastructure Entitlement Management

Intrusion Detection

Virtualization Security

Security

Aviation

Fleet Management

Hospital Management

Intelligent Document Processing

Online Ordering

Online Voting

Practice Management

Veterinary

eDiscovery

Vertical-Specific

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Vault, developed by Thought Machine, is a cloud-native core banking and payments platform that offers banks control and flexibility in building and operating financial products and payment schemes. According to the vendor, Vault is designed for use by banks of various sizes, including Tier 1 multinationals, regional banks, and fintech companies. The platform caters to banking professionals, technology professionals in the banking sector, the financial services industry, fintech companies, and payment processors.

## Key Features

**Cloud native**: Vault Core and Vault Payments are purpose-built for the cloud, leveraging cloud features like horizontal scaling, continuous deployment, high availability, and self-healing capabilities, as claimed by the vendor.

**Configurability**: Vault Core and Vault Payments are designed with an API-first architecture, enabling seamless integration with services and technologies from other vendors. Banks can easily create and configure financial products using smart contracts in Vault Core's configuration layer, with a library of pre-integrated solutions available for quick implementation.

**Operational resilience**: Vault Core and Vault Payments allow banks to run any product or payment scheme on a single platform, giving them complete control over the entire process, from development and testing to deployment on any cloud infrastructure provider, as stated by the vendor.

**Microservices architecture**: The Vault platform adopts a microservices architecture, taking full advantage of cloud-native computing. This architecture provides banks with an elastic, highly available, and flexible core banking system that can scale based on demand, according to the vendor.

**Trusted by**: Vault is trusted and utilized by leading banks worldwide, including JPMorgan Chase, Lloyds Banking Group, ING, Standard Chartered, SEB, and Intesa Sanpaolo, as claimed by the vendor.

**Ledger connectivity**: Vault Core's real-time Ledger is always accessible, providing banks with real-time streaming of rich data via the Streaming API, according to the vendor. The Ledger supports any bank and any product, offering robust real-time reporting capabilities.

**Vault Core APIs**: Vault Core exposes all its functionality and data through a comprehensive set of APIs, allowing for unparalleled control and granularity, as claimed by the vendor. These APIs provide real-time access to information in the Ledger, facilitating seamless integration with other best-in-class technology vendors.

**Streaming API**: The Streaming API provides native support for real-time event streaming using Kafka integration patterns, as stated by the vendor. It covers accounting events, posting balance updates, customer and status changes, and other data mutations on the Ledger.

**Migration API**: The Migration API, built on Kafka, is optimized for data migration from legacy cores, according to the vendor. It includes performance enhancements, resource batching, validation rule changes, and dependency management.

**Posting API**: The Posting API manages all financial movements on accounts within Vault Core, performing authorization checks, fund settlement, release of funds, and posting of credits and debits, as claimed by the vendor.

Vault by Thought Machine

Banking Software features customer account management and customer account portals for customer self-service, and also for customer support interaction, whether the customer is a person or company. It includes mobile applications with features for customer self-service and support for a variety of financial services.

Banking

Thought Machine

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Vault by Thought Machine

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What is Vault by Thought Machine?