# XYB Platform & Solutions Overview

XYB is a cloud-native, API-first platform that enables businesses to launch and manage financial products, such as digital banks, credit systems, and embedded finance applications.

The platform provides a comprehensive **set of tools**, including **synchronous and asynchronous APIs** for key financial use cases, an **intuitive Console UI** for building products, workflows, and operations, and **CLI tools** for managing environments.

<div data-full-width="true"><figure><img src="https://1792085566-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FkIq1PGbSmC3vQR1DFPNM%2Fuploads%2Fgit-blob-ff3af2e9df2fd2460fb365b4139ee9c431db08c5%2Fimage.png?alt=media" alt=""><figcaption></figcaption></figure></div>

### **Common Use Cases**

<table><thead><tr><th width="250.1024169921875">Use Case</th><th>What You Can Build</th></tr></thead><tbody><tr><td>Digital Bank</td><td>Full-stack with ledger, accounts, payment systems, credit solutions, and onboarding</td></tr><tr><td>Embedded Payments</td><td>Wallets and payment rails for your own ecosystem</td></tr><tr><td>Credit for E-commerce</td><td>Lending products with repayment workflows</td></tr><tr><td>Reconciliation Systems</td><td>Custom back-office tools using XYB Ledger</td></tr><tr><td>White-labeled Banking App</td><td>Fully branded mobile/web app</td></tr></tbody></table>

### Building a Financial Product with XYB

You can build a customized financial product in four streamlined steps using XYB’s modular platform.

<div data-full-width="true"><figure><img src="https://1792085566-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FkIq1PGbSmC3vQR1DFPNM%2Fuploads%2Fgit-blob-215ab429567b1fba34180c0bcdb5618c5bb0dc38%2Fimage.png?alt=media" alt=""><figcaption></figcaption></figure></div>

* **Central Console:** Provision services in your chosen cloud and manage everything visually via the console. [View and manage all your financial services and workflows ](https://docs.xyb.co/overview/xyb-console-quick-start-guide)from a single, consistent interface.
* **Composable Components:** Use only what you need: ledger, accounts, payments, credit, and [integrate with your own systems](https://docs.xyb.co/xyb-console/product-configurations).
* **Product & Workflow Design:** [Build products based on service rules,](https://docs.xyb.co/xyb-console/workflow-management) automate actions, and trigger events using APIs and workflows. Trigger intelligent actions based on user behavior, system events, or external inputs.
* **Real-Time Monitoring:** [Track balances, transactions, and activity ](https://app.gitbook.com/o/ejR7mr9SHYUkyGo7EVhT/s/akJn6TxWIBAbZwLlYoVP/)with custom dashboards and async event streams. The system reacts in real time, so you can automate and orchestrate without delay.
* **Cloud & Dev Tools:** Deploy on AWS, GCP, or BYOC with access via CLI, APIs, and secure access controls.

***

### Learn more about:

{% content-ref url="xyb-platform-overview/platform-authentication" %}
[platform-authentication](https://docs.xyb.co/overview/xyb-platform-overview/platform-authentication)
{% endcontent-ref %}

{% content-ref url="xyb-console-quick-start-guide" %}
[xyb-console-quick-start-guide](https://docs.xyb.co/overview/xyb-console-quick-start-guide)
{% endcontent-ref %}

{% content-ref url="../xyb-console/product-configurations" %}
[product-configurations](https://docs.xyb.co/xyb-console/product-configurations)
{% endcontent-ref %}


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