XYB is the only stand-alone componentised banking platform. Already proven with Tier 1 banks and neobanks.
Built for banks, non-banks, fintechs, you
Build for any customer need. Best in class stand alone components are designed for rapid deployment, market readiness with zero downtime.
Endless possibilities
Unlock endless possibilities with our API-first, cloud-native, coreless banking platform. 10 foundational engines, 200+ services, and 60+ partner adapters, all designed to fuel innovation and scalability.
60+ partner adapters
Our Products
Our coreless platform offers a suite of advanced components designed to meet the evolving needs of both banks and non-banks. Choose from our out-of-the-box solutions composed of select components, or create your own by selecting the components you need to support your retail and SME customers with innovative financial products.
Current accounts
XYB's current account solution empowers banks and non-banks to launch a comprehensive and flexible current account offering in multiple currencies, with the option to include physical and virtual cards.
Access
Access APIs and data faster and more securely with our state-of-the-art gateway, and build an omnichannel experience.
Mobile API
Backoffice API
Analytics API
OpenBanking API
Partners API
Website API
Services
Our services harness the full potential of our engines to deliver personalized and seamless customer journeys.
Product lifecycle management
Customer onboarding
Account opening
Card lifecycle management
Disputes management
Customer lifecycle management
Case & complaints management
Data management
Payment & cash management
Interest, fees & tax management
Engines
Our microservices-based engines power our modular and modern platform, allowing for flexible and efficient system upgrades.
Fees
Credit
Interest
Localisation
Risk & policy
Account
Payment
Ledger
Tax
Credit decisioning
Card
Distinctly different
Transparent TCO
Drastically slash your Total Cost of Ownership by paying only for the components and cloud infrastructure you need.
Fastest time to value
We deliver value from the moment a project starts, rapidly accelerating outcomes and consistently driving meaningful results.
Lowest transformation risk
Our standalone components enable progressive modernisation, reducing risk and delivering zero downtime.
The green option
Our platform enables smaller, focused teams, resulting in reduced resources and less tin. Efficient, effective, and environmentally conscious.
Evolutionary technology
Architected with independently deployable components that are highly configurable and scalable. It's the last platform you will ever need.
Unrivalled experience
Benefit from our expertise and proven track record of success, delivering reliable and effective tailored and off the shelf solutions. You can put your trust in a team that has an incredible pedigree in delivering the latest banking platforms.
