How to Build Your Own Thought Machine
Replace Thought Machine with a custom build. Core banking and payments technology built natively for the cloud
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 15 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 15 features
Payments Processing(3 features)
Vault Payments launched with card issuing and processing support on the Mastercard network
Enables real-time payment processing capabilities with SEPA instant payments support
Cloud-native payments processing platform designed to enable banks to run all payment types for every method, scheme, and region in the world with complete control over payment lifecycle
Infrastructure(2 features)
Developed from scratch without legacy or pre-cloud code, running natively in the cloud with horizontal scaling, continuous deployment, high availability, and self-healing capabilities
Built from the ground up to take full advantage of cloud-native computing, enabling elastic, highly available and flexible core banking system with load-based scaling
Integration(2 features)
Built with API-first design giving banks complete control to connect to services and technologies from other vendors
Growing collection of solutions and integrations with best-in-class technology vendors
Configuration(1 features)
Used for product creation and configuration within Vault Core
Core Banking Platform(1 features)
Cloud-native core banking platform built from scratch to run in the cloud, enabling banks to run any product including current accounts, savings accounts, credit cards, loans, and mortgages
Customization(1 features)
All product creation done in Vault Core's configuration layer using smart contracts system, with rich library of pre-integrated solutions and pre-configured smart contracts
Deployment(1 features)
Cloud agnostic platform allowing banks to deploy on any cloud infrastructure provider or as SaaS, giving banks complete choice of hosting options
Payments Standards(1 features)
Platform engineered for ISO 20022 standard compliance and efficiency in payments
Cost Calculator
Pricing data not available for Thought Machine. Check their website for current pricing.