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Monday, February 23, 2026
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Curve Credit will be powered by Thought Machine’s Vault

Thought Machine is a cloud-native core banking technology company and it has been selected by Curve to power it’s new ‘buy now, pay later’ feature, the Curve Credit. 

Curve Credit is aiming to attract 300,000 active customers in the UK in the first three years and launch in the US in its first year.

Read also: Monzo launches new Premium account and offers its first metal card

Paul Harrald, the head of Curve Credit, said “The service will offer our customers a unique combination of capabilities that will generate a truly satisfying experience.”

With Vault by Thought Machine, the Curve team may even build financial products by writing them as code into Thought Machine’s smart contracts interface.

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The Vault product has been most recently adopted by Monese but is also used by companies like the Lloyds Banking Group, Atom Bank, and Standard Chartered.

Paul Taylor, CEO of Thought Machine, comments: “Unbeatable financial services organisations are those which embrace modern, cloud-native technology, like Curve. We look forward to working alongside Shachar, Paul, and the Curve team, to bring this truly unseen proposition to the market.”

“Our teams share a passion for building expertly-engineered products that give customers choice and flexibility in managing their finances, and to do so in a meaningful way,” he added.

“We are excited about launching Curve Credit with Thought Machine’s core banking technology, which is unrivalled in the market. Thought Machine is the only technology that allows us to deliver the flexibility and manageability we desired for our customers. Curve Credit’s ethos is about responsible lending and responsible borrowing. Alongside Curve OS, this three-way dynamic will be able to give each customer the clearest possible terms via a simple and beautiful product and experience,” said Paul Harrald, Head of Curve Credit.

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