We didn’t set out to create a new category. We set out to solve a problem.

When existing categories didn’t solve the problem, we created one that did: Adaptive Financial Infrastructure.

Across the industry, from fintech founders to global bank execs, we kept hearing the same frustration: “We know what we want to build, we just can’t build it fast enough.” 

The vision is clear. But the financial infrastructure beneath it isn’t.

Innovation can’t scale on yesterday’s architecture

Too many financial institutions are still trying to innovate on top of infrastructure that wasn’t built for change. Legacy cores. Cloud-wrapped monoliths. Fragmented point solutions. The result is rigid, reactive systems that slow progress and force hard choices -  between stability and speed, compliance and creativity, short-term fixes and long-term flexibility. Instead of accelerating innovation, financial infrastructure has become the very thing that holds it back.

Every existing category - core banking, orchestration tools, BaaS - captured only part of the solution. None solved it fully.

So we built something different. We call it Adaptive Financial Infrastructure (AFI).

What is AFI and what makes AFI different

The idea behind AFI is simple: financial infrastructure shouldn’t just support your strategy, it should evolve with it.

To stay competitive, modern financial institutions need to:

• Launch fast
• Pivot quickly
• Respond to regulation in real-time
• Embed intelligence into every layer

That requires more than just a system refresh. It takes a new foundation - one that’s:

• Modular: evolve component by component, without replatforming
• Event-native: respond in real-time
• API-first: integrates cleanly with what you already have
• Intelligence-ready: turns data into real-time action

From core systems like ledgers and payments to onboarding, KYC, and orchestration, AFI delivers the actual infrastructure needed to run financial services in real-time. It’s not just a foundation, it’s a force multiplier for what financial institutions can actually deliver.

Innovation without replatforming

One of the biggest myths in banking is that innovation starts with transformation projects and ripping out your core. 

At XYB, we reject that premise entirely. 

Adaptive Financial Infrastructure is designed for progressive modernisation. You can start with a single component or use case - like operationalising your ledger, enhancing your onboarding flow, or activating embedded compliance - and scale from there. Or go bigger from day one: launch a full white-label app, spin up a backup bank, or modernise your entire customer experience.

No heavy lifting. No big bang replatforming. No technical vendor lock-in.

That means financial institutions can:

• Launch new features, products, and brands faster
• Improve customer experiences without rebuilding the core
• Meet evolving regulations like DORA and ISO 20022 by design 
• Turn compliance from cost to competitive edge
• Connect siloed systems and data across global operations
• Plug in AI and analytics into real operational workflows

A platform that expects change

The pace of change in finance isn’t just accelerating, it’s compounding. The next generation of financial leaders will be defined by how quickly they can adapt. Institutions that can’t evolve continuously will fall behind.  

XYB is designed for that reality. We don’t just support change - we expect it. Our platform helps institutions move in weeks, not years, turning ambition into execution without delay.

Whether you're launching a fintech, modernising a regional bank, or orchestrating across global systems, AFI gives you a clear path forward, fast.

From constraint to catalyst

We didn’t build AFI to coin a new buzzword. 

We built it because financial infrastructure was blocking innovation. And that’s no longer acceptable.

Get in touch to learn more - and let’s build what’s next.