Understanding Entities in XYB

Entities are the foundational building blocks in XYB that represent all participants involved in your financial ecosystem. Whether you're onboarding a customer, setting up a business account, or integrating a third-party partner, each is modeled as an entity. Entities help structure your operations, define relationships, and enable service provisioning across your product workflows.

Types of Entities

XYB supports five types of entities:

• Customer: Individual users using your financial services (e.g., account holders, borrowers).

• Business: Legal or commercial organizations using your platform (e.g., SMEs, vendors).

• Partner: External systems or institutions connected to your platform (e.g., banks, KYC providers).

• Owner: Internal or admin-level operators with control over configurations and operations.

• App: App entities are typically used for system-to-system authentication and are linked to API keys for secure request signing.

Create new entities

Entities power everything from account creation and payment routing to credit assessments and compliance. They act as the core data objects that link services like ledger accounts, cards, and workflows. When you create an entity, you're enabling the backend to enforce rules, attributes, and connections associated with that person or business.

When you create a new entity, you need to provide the basic details based on the type of entity you create.

• Choose entity type (Customer, Business, Partner, Owner, App)

• Enter personal/business identifiers (e.g., name, national ID, date of birth)

• Specify the sector and segment

• Provide contact info (email, phone)

Managing Entities

You can view and manage all entities directly from the Entities page in the Console. The entity view lists key information such as the entity’s reference ID, name, role, country, creation and update timestamps, and status. You can use filters to narrow results by segment, role, country, date range, app access, or status.

Each entity includes an App access status, which you can view or update to reflect whether the customer or application currently has access to your services.

From the entity view, you can also:

• Open individual entity details to review attributes, relationships, and activity.

• View associated services such as accounts or workflows.

• Identify Active, Inactive, or Deleted entities at a glance.

This view provides a centralized overview of all participants in your ecosystem, making it easier to monitor entity health, troubleshoot access issues, and manage lifecycle changes.