Composable rollout.  
Real-time orchestration.
Zero regrets.

Ditch technical vendor lock-in, legacy lag, and rigid systems with XYB's Adaptive Financial Infrastructure

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The only platform for modern adaptive finance

The financial infrastructure for what’s next -
agentic, workflow-driven, and intelligence-enabled finance.

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Core Principles

Adaptive by design

A dynamic foundation that evolves with you. Event-native architecture that responds instantly as your business grows, shifts, or evolves.

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Composable at scale

Build what you need, where you need it. Modular components integrate seamlessly with legacy systems, third-party solutions, or run standalone - so you can evolve at your own pace, without compromise.

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Intelligent at the core

Connected, clean data that drives AI, automation, and compliance - transforming every interaction into a strategic advantage.

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Fault tolerant

Built to expect the unexpected. And recover before you notice. Engineered for controlled chaos - from transaction spikes and partner outages to internal change - the system absorbs shock, contains faults, and stays graceful under pressure.

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The no replatform platform

Modern financial infrastructure that wraps legacy systems, adapts to your stack, and ships real-time products in record time.

Learn more

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Experience

Design and control every aspect of the product experience

White-label mobile & web apps
SDKs
Back-office console

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Orchestration

Automate workflows, trigger real-time actions, and connect your ecosystem

Configuration
Full product suite
Workflow automation
Data

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Component

Deploy fast, scalable financial components

Ledger & accounts
Payments & FX
Customer
Cards
+100s More

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Built for companies at every stage -  from digital challengers to global banks

Launch & Scale

Launch fast, stay lean, and innovate without rebuilding the stack from scratch

Modernise

Progressive modernisation with control over where and how you evolve - no disruption or dependency

Orchestrate

Orchestrate complex, multi-market infrastructure in real time

An architectural advantage

Event-Native Design

Modular, API-first and event-native architecture that adapts as you scale

AI-Ready

Real-time, structured data to power automation, intelligence, and personalisation