# Thought Machine

> Thought Machine is a London-headquartered cloud-native core banking technology company founded in 2014 by Paul Taylor. It builds Vault Core — a universal product engine where every banking product is written as a developer-authored 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. Both are API-first, but the developer documentation and API reference are served behind a partner login; there is no public OpenAPI, MCP server, or agent card.

Generated by the API Evangelist enrichment pipeline on 2026-08-02 from apis.yml and the artifacts in this repository. Method: generated (no provider-published /llms.txt was found — https://www.thoughtmachine.net/llms.txt returns 404).

## APIs

- [Vault Core API](https://www.thoughtmachine.net/vault-core): Cloud-native core banking engine. REST Core API for external integrations, Posting API for financial movements against the real-time ledger, Kafka Streaming API for accounting/balance/customer events, Migration API for legacy core data loads, Contracts API for smart-contract functions. Base URLs are per-deployment (SaaS tenant or bank-hosted cluster) and are not published publicly.
- [Vault Payments API](https://www.thoughtmachine.net/vaultpayments): Cloud-native payments processing across card, instant (FedNow, UK New Payments Architecture, SEPA Instant), batch clearing and cross-border rails. RESTful APIs plus real-time streaming of payment, product, payment-instrument and configuration data. Dynamic account routing decouples payment instruments from funding sources.

## Specs

No machine-readable API contract is published publicly. Probed and missed: /openapi.json, /openapi.yaml, /swagger.json, /api-docs, /docs, /redoc, /asyncapi.yaml on www.thoughtmachine.net (404) and on docs.thoughtmachine.net (302 to partner SSO); api.thoughtmachine.net does not resolve. No GraphQL endpoint, no MCP server, no A2A agent card.

## Docs

- [Vault documentation and API reference](https://docs.thoughtmachine.net/): partner login required — redirects to the auth.thoughtmachine.net SSO flow.
- [Enablement portal](https://portal.thoughtmachine.net/): partner login required.
- [API Sandbox terms and conditions](https://www.thoughtmachine.net/api-terms): the TM Sandbox APIs / TM Sandbox Environment programme, access by application.
- [Integrations](https://www.thoughtmachine.net/integrations)
- [Blog](https://www.thoughtmachine.net/blog)
- [Newsroom](https://www.thoughtmachine.net/newsroom)

## Artifacts

- [apis.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/apis.yml)
- [well-known/thought-machine-well-known.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/well-known/thought-machine-well-known.yml): full /.well-known/ probe record across every host.
- [authentication/thought-machine-authentication.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/authentication/thought-machine-authentication.yml): OIDC profile of the Vault portal identity provider.
- [scopes/thought-machine-scopes.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/scopes/thought-machine-scopes.yml)
- [sandbox/thought-machine-sandbox.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/sandbox/thought-machine-sandbox.yml)
- [conformance/thought-machine-conformance.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/conformance/thought-machine-conformance.yml): ISO 27001, SOC 2, ISO 22301, ISO 20022, OAuth 2.0/OIDC/PKCE.
- [lifecycle/thought-machine-lifecycle.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/lifecycle/thought-machine-lifecycle.yml)
- [asyncapi/thought-machine-streaming-events.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/asyncapi/thought-machine-streaming-events.yml): the Kafka streaming event surface.
- [security/thought-machine-domain-security.yml](https://raw.githubusercontent.com/api-evangelist/thought-machine/refs/heads/main/security/thought-machine-domain-security.yml)

## Company

- [Website](https://www.thoughtmachine.net/)
- [About us](https://www.thoughtmachine.net/about-us): founded 2014 by Paul Taylor; London HQ with New York and Singapore offices; 500+ staff.
- [GitHub organisation](https://github.com/thought-machine): open-source engineering tooling — the Please build system, Dracon security scanning, Prometheus exporters, and a Go ISO 20022 financial-messaging library. No public Vault API client SDKs.
- [Privacy notice](https://www.thoughtmachine.net/privacy)
- [Legal notices](https://www.thoughtmachine.net/legal-notices)
- [Contact](https://www.thoughtmachine.net/contact)