XYB Platform 2.5 Release Notes

1. Reconciliation Console

Reconciliation Becomes a First-Class, Reviewable Workflow

This release delivers a full reconciliation experience in the Console, moving reconciliation from a background process into a first-class, reviewable workflow.

• Dedicated activity view: Operators can now view reconciliation activity in a dedicated list.
• Drill into a run: Each run can be reviewed across accounts and transactions tabs.
• Resolve exceptions directly: Exceptions can be resolved in place — creating a missing account, creating a matching payment, or re-running matching.
• Reusable profiles and run sets: Reconciliation is organised around reusable profiles and run sets, with per-profile display columns, coverage checks before a run, and clear exception counts throughout.

2. Enterprise SSO: SCIM Provisioning

Automated User and Group Management for Enterprise Customers

Enterprise identity management is significantly strengthened with SCIM 2.0 user and group provisioning, complementing existing SAML 2.0 single sign-on.

• Automated provisioning: Identity providers can now automatically provision and de-provision users and groups.
• Role sync: Role membership stays in sync automatically, with access managed centrally from your identity provider.
• Clear ownership: SCIM-managed roles are shown as read-only in the Console, so it's always clear where a role is being controlled from.
• Broad compatibility: Provisioning has been validated against major identity providers.

3. Payment Timeline & Failed Payment Handling

Full Visibility into Where a Payment Stands

Payments become far more transparent, with a full status timeline and clearer handling of failures.

• Detailed status timeline: Payment history now includes a detailed timeline of status events, so you can see exactly where a payment is in its lifecycle — including payments that are stuck or delayed.
• Correct handling of failures: Failed payments are now handled correctly in the ledger, ensuring postings do not remain pending when a payment fails.

4. Payment Rails: Wire, BAI2 & BTRS3

Expanded Rail Coverage and Standards-Compliant Reporting

Payment rail coverage expands with wire file generation and standards-compliant reporting.

• Wire support: Wire files can now be composed to the ISO 20022 pacs.008 standard.
• BAI2 and BTRS3 reporting: Reporting files can now be generated from unified platform data, including full ACH addenda linkage.
• Two-step authorisation: Two-step authorisation is now supported for partner payments.

5. Terms & Conditions Management

Manage, Version, and Track Acceptance of Customer Terms

A new terms-and-conditions capability lets banks manage, version, and capture acceptance of customer terms.

• Authoring and versioning: Terms can be authored and versioned with four-eye approval.
• Template integration: Terms integrate with the existing template system.
• Customer acceptance: Terms are presented to customers for acceptance, with a full audit trail of who accepted which version and when.

6. Improvements and Fixes

• Redesigned payment activity screen in the web app, with batches shown in activity and clearer payment detail.
• More reliable treasury workflows, including fixes to scheduled payments, batch approvals, payee and account editing, and statement imports.
• More accurate money display, with exact decimal handling on payment volume and posting search surfaces.
• Fixed a wide range of issues across payments, beneficiaries, cards, policies, reconciliation, and the console — including card activation, top-up, policy visibility, and numerous treasury web app display and saving issues.