XYB Platform - Overview

XYB is a platform for building, orchestrating, and operating financial products: deposits and wallets, payments and FX, credit, interest, and cards.It works through three layers: Component (the individual capabilities), Orchestration (the shared services those capabilities configure against), and Experience (how it's all surfaced to a person)each independent, connecting outward to payment rails, card networks, and identity/KYC providers through adapters.

It's made of composable components you use only as needed, not one fixed product, plus the adapters that connect them outward.With the XYB platform, you can modernise a live system, add a single new capability, or build from scratch, all on the same platform, so your starting point doesn't lock you into a different product later.

It's built for multiple personas: product managers and developers who configure products and workflows, banking operators who run day-to-day operations from the console, and the end users of the resulting white-labeled apps.

Your situation	What you do
You have an existing financial system	Modernise it. Run XYB above your current core, which stays in place beneath it.
You want to add something new	Enhance it. Add a specific new capability on top of what you already have.
You're starting fresh	Build it from the ground up. Run your entire infrastructure on XYB.

How it works

XYB's components are composable: Ledger for balance history, Accounts for funds, instruments, and limits, Payments for moving money, and Credit for origination and servicing, so you use only what your product needs, not one fixed product.

You combine these into the product you're actually building, and where you need to reach outside XYB, into your existing core banking system, a payment rail, a KYC provider, you connect through custom-built adapters. Your integration points stay explicit and swappable, not buried inside the product itself.

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Built for your team

XYB is built for multiple user personas.

For product managers and developers, the platform is where you build and orchestrate workflows. With your environment provisioned in your chosen cloud, you:

1. Configure your product by defining rules, behaviors, and workflows
2. Each of those is powered by its own backend service
3. Once configured, the product is ready for your end users

From publish to production

Once you publish a product, the system runs continuously. Alongside it, XYB provides a fully transparent, fully operable console, where your banking operators work day to day.

What operators can do in the console

Capability	What it means
Track money movements	See transactions as they happen, across every account
Execute payments	Initiate and approve payments directly
Investigate behavior	Trace an account's or customer's activity end to end
Manage reconciliations	Match ledger entries against external statements
Configure policies	Update the rules governing how workflows behave
...and more	Additional operational tools, as your team needs them

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White-labeled, end to end

Both your operators and your end users interact with fully white-labeled web and mobile applications, carrying your brand throughout, not XYB's.

	End users get	Operators get
Mobile	A branded app for everyday banking	—
Web	A branded self-serve experience	The operator console

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Learn more about:

Platform AuthenticationXYB Console - Quick Start GuideProduct Configurations