> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/core-banking-components/credit.md). # Credit Our Credit Services Suite offers a modular and API-driven approach to managing the full credit lifecycle. From origination to scoring, contract management, and servicing, the platform integrates easily with your existing systems while supporting a wide range of credit products and customer experiences. Whether you're enhancing your retail lending operations or expanding into new segments, the suite is built for flexibility and compliance. **Key Highlights:** * Modular services for origination, scoring, contract, and servicing * Event-driven architecture with real-time notifications * Easily integrates with internal systems via APIs and messaging * Pre-built support for customer, fee, and collateral management * Designed to align with regulatory and operational requirements Each module operates independently or as part of a broader ecosystem, allowing for phased adoption and quick wins. The platform supports dynamic configuration, enabling product teams to launch, adjust, or sunset offerings without deep technical intervention. With robust backend capabilities and seamless customer-facing integration, the Credit Services Suite empowers institutions to accelerate innovation, improve turnaround times, and reduce operational complexity. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.xyb.co/core-banking-components/credit.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.