> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/xyb-payments/getting-started-with-payments/xyb-payments-overview/understanding-the-xyb-payment-ecosystem.md).

# Understanding the XYB Payment Ecosystem

The XYB Payment Ecosystem powers modern, real-time, and multi-channel payments, from initiation to clearing and settlement, through a modular, scalable architecture. This guide gives you a high-level overview of how payments are created, processed, orchestrated, and stored using XYB’s services.

<figure><img src="https://2629557980-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Ft2bhF7867UQZjmdpxWXV%2Fuploads%2FMnWxHpfL8pFhY11V9fAP%2Fimage.png?alt=media&amp;token=30a339b3-46c7-4512-9e53-6828f0d32bde" alt=""><figcaption></figcaption></figure>

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### Who Uses What?

| Audience                   | Touchpoints                                        |
| -------------------------- | -------------------------------------------------- |
| **Client developers**      | Payment API, adapter contracts, snapshot consumers |
| **Treasury/support teams** | Payment operations UI (e.g. rollback, cancel)      |
| **Compliance & Risk**      | Risk engine integrations, audit trails             |
| **Partners**               | Adapters and contracts                             |

***


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