XYB Credit Solutions Overview
XYB's credit platform empowers financial institutions to build, launch, and manage a diverse range of credit products, all from a unified and highly configurable ecosystem.
Whether you offer BNPL schemes, factoring, microloans, leasing, credit cards, or even region-specific products like the Nordic Revolving Credit Line, the platform supports the entire lifecycle from origination to repayment.
Flexible, Composable Architecture
The credit stack in XYB is composed of modular services that reflect the key building blocks of any credit business:
Entity Service: Manage external parties (e.g., customers, employers, partners)
Contract Service: Define repayment behavior, terms, and disbursement rules
Interest Service: Configure interest types, accrual, rounding, and day-count methods
Collateral Service: Manage secured loans and guarantee structures
Fee & Charges Service: Add flat or dynamic pricing layers
These services are made available at the platform level, enabling you to:
Configure global parameters like supported currencies, countries, interest models, and customer segments
Ensure compliance with your regulatory and operational coverage
Define default rules that your credit products will inherit automatically
From Configuration to Product Design
Once your global credit setup is in place, product managers can begin solving specific business problems by designing targeted offerings:
Examples include:
A BNPL product for e-commerce customers with fixed installment plans
A microloan product tailored to gig economy workers with daily interest
A credit line for SME clients in export-heavy regions with flexible drawdowns
A leasing solution bundled with asset-based collateral logic
A promotional consumer loan with zero-interest for the first 3 months
Products are designed in the Product Configuration layer, bringing together rules from multiple services into a single offering.
Operational Execution
Once credit products are defined, loan officers and operations teams can:
Generate and approve contracts for specific customers
Disburse payouts and monitor usage (e.g. drawdowns)
Track repayments, delinquencies, and payment holidays
View consolidated performance in dashboards and reports
The platform handles everything from interest accrual, fee recognition, contract versioning, and collections workflows, ensuring a streamlined and auditable lending lifecycle.
Role Matrix
Product Manager
Configure core services, design credit products, set defaults and eligibility
Loan Officer
Generate contracts, disburse loans, manage customer-level activity
Operations
Monitor repayments, handle collections, manage delinquencies and status changes
Compliance
Ensure global config aligns with risk and regulatory policies
Learn more about:
Last updated