Platform Architecture
The XYB Platform is designed with a modular, microservices-based architecture that enables financial institutions to build, scale, and evolve at their own pace. Unlike monolithic systems, XYB is composed of independently deployable services, each optimized for specific business functions and performance. With cloud-native deployment, asynchronous communication, and dedicated data stores for each service, the platform ensures high availability, scalability, and fault tolerance. The three-tier structure - Service, Component, and Solution layers lets institutions build from the ground up or deploy fully integrated solutions out of the box, all while maintaining complete control over customization, security, and operational efficiency.
Key Highlights
Decoupled microservices with independent data stores
Cloud-native, Kubernetes-orchestrated deployment
Composable architecture supporting custom workflows and modular adoption
Secure by design with RBAC, MFA, audit logs, and zero-trust communication
Supports both hosted and Bring Your Own Account (BYOA) models
Three-Layer Architecture
Layer
Description
Service Layer
Core financial services: ledger, payments, lending
Component Layer
Deployable modules: accounts, payment processing, transaction monitoring
Solution Layer
Pre-packaged financial workflows combining multiple components
Core Infrastructure Components
Component
Purpose
Secure Gateway & Adapters
Manages secure external access and partner integrations
Kubernetes Orchestration
Enables auto-scaling, containerized deployment, and efficient resource management
Workflow Engine
Automates business logic like approvals and notifications, with future low-code enhancements
Deployment Flexibility
Supports XYB-managed (single-tenant) or client-managed (BYOA) cloud deployments
Performance & Scalability Features
Auto-scaling for real-time infrastructure optimization
Read/Write replication for high database performance
Load balancing & caching to reduce latency and handle traffic spikes
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