Your MVP is not your core
The promise of fintech has always been speed. Speed to launch. Speed to scale. Speed to disrupt.
But too many high-growth fintechs are being slowed down by the very technology that was supposed to enable them: their financial infrastructure.
You have the product vision, the market fit, and the capital. What you don’t have is the time or resources to rebuild your stack every time you want to grow or evolve.
That’s exactly the problem XYB was designed to solve.
From MVP to multi-market: why traditional core banking infrastructure falls short
Most fintechs and challengers launch with first-generation infrastructure: an MVP stitched together with off-the-shelf tools, point solutions, and APIs.
What looks modular at first often ends up hardwired, inflexible, and slow to evolve.
As fintechs grow, familiar challenges arise
- Expansion slowed by regulatory complexity
- Fragmentation between front-end experience and back-end systems
- Mounting technical debt with every new release
Fintechs are meant to be agile, but when the financial infrastructure isn’t built to flex, every product move becomes costly, risky, and threatens to slow you down.
Financial infrastructure that adapts with you
We didn’t just build another platform. We created a new category: Adaptive Financial Infrastructure (AFI).
It’s not core banking. It’s not just BaaS. It’s not orchestration on top of legacy tech.
AFI is a composable, event-native, intelligence-ready foundation that helps fintechs build fast and scale smart without replatforming or technical vendor lock-in.
Whether you’re starting from scratch or leveling up your tech stack, with AFI fintechs can:
- Launch new products and experiences without replatforming
- Expand into new markets with built-in compliance
- Easily plug-in AI and analytics to real-time workflows
- Avoid technical vendor lock-in
- Modernise progressively without the heavy lift and risk
Start small, scale on your terms
You don’t need to replace everything at once to benefit from better financial infrastructure. You can start with a single component - like a ledger, onboarding flow, or KYC - and grow from there. Or you can spin-up a full white-label app from day one with pre-integrated workflows.
AFI flexes with your strategy, without locking you in.
Solutions built for fintechs
Here’s how fintechs and challengers use XYB today:
- Greenfield & White-Label Launches
Launch fast with pre-built, intelligence-ready components.
Benefits- Go-live in weeks, not years
- Reduce new market entry costs and complexity
- AI Enablement
Built for real-time, data-rich, AI-powered finance.
Benefits- Deliver personalised customer experiences
- Power smart decisioning and automation
- Drive continuous optimisation and adaptive engagement
- BaaS Enablement
Support partners with robust APIs and embedded compliance.
Benefits- Accelerate partner onboarding and growth
- Maintain full transparency and control compliance
- Scale your platform (not your tech debt)
Your financial infrastructure should be a growth engine.
The fintechs that win won’t just launch quickly, but will adapt continuously.
XYB gives you the foundation to move fast, evolve continuously, and scale without compromise.
From MVP to multi-market. From first product to full-stack. XYB is financial infrastructure that’s clean, composable, and built to evolve.
Book a demo. See how AFI adapts with your strategy, not against it.
