Vault Core is a cloud-native core banking platform that runs any bank product on one ledger.
Vault Core is a cloud-native core banking platform from Thought Machine that runs retail, small business, and corporate banking on a single unified ledger. Banks build products with programmable smart contracts while capability and cloud layers keep operations fast, resilient, and deployment-flexible.
The platform supports real-time data, AI-driven personalization, and multi-region concurrency for autonomous banking operations. Thought Machine deploys it through coexistence, replatforming, or greenfield models with a record of zero failed deployments.
| Attribute | Vault Core | KiyaAI Core Banking | Oracle FLEXCUBE | |
|---|---|---|---|---|
| Provider |  Thought Machinethoughtmachine.net |  |  | |
| Founded | 2014 | 1995 | 1977 | |
| Sells To | — | Banks and financial institutions | Enterprise, Small Business | |
| Pricing Model | — | B2B | Recurring, Software, Transactional | |
| Ownership | — | Private | Public |
Provider Thought Machinethoughtmachine.net
Founded 2014
Sells To —
Pricing Model —
Ownership —
Founded 1995
Sells To Banks and financial institutions
Pricing Model B2B
Ownership Private
Provider
Founded 1977
Sells To Enterprise, Small Business
Pricing Model Recurring, Software, Transactional
Ownership Public
Temenos Core Banking is a cloud-native core platform for retail and commercial banks.
Cloud-native, API-first core banking platform enabling financial institutions to modernize deposits, loans, and payment services.
Finacle Core Banking is a digital core banking solution for banks worldwide.
Cloud-native core banking platform powering digital financial services worldwide.
BackbaseBackbase Banking OS is an AI-native digital banking platform that unifies channels, front office, and operations for banks.
Macrobank is the core banking software platform from Advapay for banks and financial institutions.
Temenos Core Banking is a cloud-native core platform for retail and commercial banks.
Cloud-native, API-first core banking platform enabling financial institutions to modernize deposits, loans, and payment services.
Finacle Core Banking is a digital core banking solution for banks worldwide.
Cloud-native core banking platform powering digital financial services worldwide.
Backbase Banking OS is an AI-native digital banking platform that unifies channels, front office, and operations for banks.
BackbaseVault is a secrets management tool for securing application, machine, and AI agent identities and protecting sensitive data.
Cloud-native core banking platform for real-time digital banking.
Macrobank is the core banking software platform from Advapay for banks and financial institutions.