> 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/credit/getting-started/xyb-credit-solutions-overview.md).

# 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.

{% embed url="<https://www.youtube.com/watch?v=JZZW03wcm-8>" %}

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#### 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

| Persona             | Responsibilities                                                                |
| ------------------- | ------------------------------------------------------------------------------- |
| **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:

[Designing and Configuring Credit Products](/credit/getting-started/xyb-credit-quick-start-guide.md)

[Configure Core Services for Credit](/credit/configure-and-create-credit-products/configure-global-settings-for-credit-products.md)


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