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92
London, United Kingdom Series D

Universal Product Engine for Core Banking Transformation

Thought Machine • Led by Paul Taylor

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Legacy core banking systems are monolithic, batch-based, and hardcoded, preventing banks from launching real-time products or scaling cloud-native operations.

The Solution

Vault Core provides a cloud-native, event-driven ledger that uses Python-based smart contracts to define financial products, separating the ledger from the product logic.

⚡ Verified Impact

● Validated
30-40% faster product launch cyclesMigration Speed
50% reduction in maintenance costsOperational Efficiency
99.99% in cloud environmentsSystem Uptime
CERTIFICATION

Gold Standard

TRL 9/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Commercially Ready

"Thought Machine has demonstrated unique technical maturity by successfully migrating Tier-1 banking back-books to a cloud-native environment. The smart contract architecture provides a high degree of flexibility compared to traditional vendor configurations. However, the operational complexity of a full-core migration remains the primary friction point for enterprise adoption."

✅ Pros

  • Highly flexible product configuration via Python smart contracts.
  • Proven at scale with global institutions like JPMorgan Chase and Lloyds.
  • Full cloud-native, event-driven architecture eliminates batch processing.

⚠️ Risks

  • Significant internal technical expertise required for implementation.
  • High operational risk associated with core-to-cloud migration programs.
  • Cost-to-serve for complex legacy migrations remains high.

🛠️ Use Cases

💡
Digital Bank Launch

Launching a full-feature neobank in under 6 months.

💡
Legacy Replacement

Systematic migration of retail lending portfolios from mainframes.

💡
Product Innovation

Creating hybrid credit-debit accounts with real-time interest offsetting.

Market Maturity

Stop Guessing.
Know What's Deployable.

Marketing brochures look the same for TRL-3 (Concept) and TRL-9 (Proven) tech. Our radar cuts through the noise, showing you exactly if this innovation has crossed the "Pilot-to-Production" chasm.

9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 9.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • check_circle Actual system proven in operations (TRL 9)
Transparency

Forensic Evidence Chain

We don't just "approve" listings. We build a permanent, immutable audit trail for every verified claim. See exactly what was checked, when, and by whom.

View Sample Audit Report →

Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

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🚀
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💡
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⭐
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🛡️
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