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: '0.20'
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
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
  - 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