# XYB — Adaptive Financial Infrastructure > XYB is the Adaptive Financial Infrastructure company. The AFI Platform — the banking orchestrator — unifies systems, people, and processes on one event-native substrate, so financial institutions meet agentic AI, real-time payments, and stablecoin readiness without rebuilding. SOC 2 Type II attested. ISO/IEC 27001:2022 certified. LinkedIn: https://www.linkedin.com/company/xyb-ltd/ Machine-facing surfaces: this index (/llms.txt), a fuller digest (/llms-full.txt), and WebMCP tools over MCP-streamable-HTTP at /api/mcp. ## AFI category Adaptive Financial Infrastructure: the category XYB created for banking orchestration. - [What is Adaptive Financial Infrastructure? — the AFI category, defined](https://xyb.co/insights/what-is-adaptive-financial-infrastructure): Definitive guide to the AFI category: three constructs (AFI, Banking Orchestration, the AFI Platform), three forces (agentic AI, real-time payments, decentralized finance), the adjacent software categories AFI unifies, the regulatory and market-infrastructure pressures, and the four moves a financial institution can make against fragmentation. - [Why AFI — the category case](https://xyb.co/why-afi): Why Adaptive Financial Infrastructure is the new category for banking orchestration, and what it unifies. - [AFI Concepts — the AFI glossary](https://xyb.co/resources/concepts): Definitions: AFI, Banking Orchestration, the AFI Platform, the three forces, the adjacent software categories, the Experience, Orchestration and Runtime Layers, Capabilities, the canonical model, the integration tax, and asset position. - [The Problem That Became Adaptive Financial Infrastructure](https://xyb.co/insights/the-problem-that-became-afi): Core banking, payments, channels, and integration each solved part of the problem. The story of why XYB created Adaptive Financial Infrastructure. ## Banking orchestration What banking orchestration is and how it works. - [What Is Banking Orchestration? — definition and guide](https://xyb.co/insights/what-is-banking-orchestration): Banking orchestration unifies a bank’s systems, people, and processes on one event-native substrate. What it is, how it differs from payment orchestration, and why now. - [Orchestration Layer](https://xyb.co/platform/orchestration-layer): Apache Kafka + Apache Iceberg: every state change an event, every moment queryable, no black box, no lock-in. - [Banking Glossary — orchestration and infrastructure terms](https://xyb.co/resources/banking-glossary): Plain definitions of the banking infrastructure terms in use today: orchestration, payments and treasury, digital assets, and the systems behind them. ## Platform The AFI Platform and how it is built. - [AFI Platform — The Banking Orchestrator. Unifying Context.](https://xyb.co/platform): The event-native platform: proof points, design principles, the target architecture, three layers, and the Apache Kafka event backbone with the Apache Iceberg lakehouse inside the Orchestration Layer. - [Experience Layer](https://xyb.co/platform/experience-layer): The bank's human-facing surfaces: end-customer apps, web banking and treasury dashboard under the bank's brand; operator work on the XYB Console. - [Orchestration Layer](https://xyb.co/platform/orchestration-layer): Apache Kafka + Apache Iceberg: every state change an event, every moment queryable, no black box, no lock-in. - [Runtime Layer](https://xyb.co/platform/runtime-layer): Microservices on Kubernetes with Helm, Terraform, ArgoCD, cloud-portable across AWS, Google Cloud, and IBM Cloud for Financial Services. - [Integrations — the vendors the AFI Platform connects](https://xyb.co/ecosystem/integrations): Open adapters: the AFI Platform orchestrates the vendors an institution already has and the ones it chooses next. - [Retail & SMB Banking — Adaptive Digital Banking (ADB)](https://xyb.co/solutions/retail-smb-banking/adaptive-digital-banking): Digital banking your customers expect: Hold, Move, Lend, Grow. Out from under the vendor queue, without replacing what runs your bank. ## Product strategy How financial institutions modernize without replacing what runs. - [The next era of finance needs a new foundation](https://xyb.co/insights/the-next-era-of-finance-needs-a-new-foundation): Why financial institutions can't deliver on AI, compliance, or strategy without rethinking their architecture. - [Adoption Journey — Deploy, Expand, Modernize](https://xyb.co/resources/adoption-journey): How financial institutions adopt AFI: deploy one workload, expand on the substrate already in place, and modernize at their own pace. Integration, not migration. - [Retail & SMB Banking — Modernizing (the overlay path into ADB)](https://xyb.co/solutions/retail-smb-banking/modernizing): Launch above the core you're keeping: overlay deployment, first Capability live in 10 weeks. A coexistence strategy, not a big bang. - [Retail & SMB Banking — Greenfield (the launch-complete path into ADB)](https://xyb.co/solutions/retail-smb-banking/greenfield): Launch the digital bank you're building: Full Stack Digital Banking, first production value in 10 weeks, nothing incumbent to integrate against. - [The Merger Tax Nobody Models — bank integration debt](https://xyb.co/insights/the-merger-tax-nobody-models): Why bank integration debt comes due all at once, and how to avoid the pitfalls. ## Treasury Commercial treasury for financial institutions and their customers. - [What US Mid-Market Treasury Teams Are Actually Asking For — six 2026 demands](https://xyb.co/insights/what-us-mid-market-treasury-teams-want): Six demands US mid-market treasurers place on regional banks in 2026: one asset position, every rail behind one workflow, ERP/TMS integration via API, real stablecoin rails, compliance inside the rail, actionable forecasting. - [Commercial Banking — Commercial Treasury Solution (CTS)](https://xyb.co/solutions/commercial-banking/commercial-treasury-solution): Fiat, Instant, and Stablecoin treasury for commercial customers: multi-rail, unified visibility, bank-grade governance. ## Trust Security, compliance and certifications. - [Trust — compliance as substrate](https://xyb.co/trust): SOC 2 Type II attested. ISO/IEC 27001:2022 certified. Built to support DORA compliance. Real-time compliance evidence on demand. - [Security at the Infrastructure Level — SOC 2 Type II and ISO 27001 in the substrate](https://xyb.co/insights/security-at-the-infrastructure-level): Substrate-level security for banking infrastructure: what holding SOC 2 Type II and ISO/IEC 27001:2022 together means, what each credential demonstrates on its own, how tenant isolation works on the AFI Platform, and what procurement and risk teams should evaluate. ## Company - [About XYB — beliefs and team](https://xyb.co/company/about): XYB's mission and vision, the five values behind how we work, the leadership team, and life at XYB. - [Careers — open roles at XYB](https://xyb.co/company/careers): Who XYB is and the open roles, read live from the recruitment site, with applications handled there. - [Partnerships — who stands behind the AFI Platform](https://xyb.co/ecosystem/partnerships): A strategic alliance with IBM on IBM Cloud for Financial Services, a product partnership with Bud Financial, and an AWS Marketplace agreement for procurement. - [Jim Logan Joins XYB — Americas Head of Strategic Sales](https://xyb.co/insights/jim-logan-joins-xyb): Jim Logan is appointed Americas Head of Strategic Sales, leading North American go-to-market for the AFI Platform and its Solutions, focused on regional and super-regional banks. - [XYB partners with Bud Financial to bring AI-driven intelligence to financial institutions](https://xyb.co/insights/xyb-partners-with-bud-financial-to-bring-ai-driven-intelligence-to-financial-institutions): Press release, originally issued 2 June 2025 and updated 5 October 2026: XYB and Bud Financial partner to connect the AFI Platform with AI-powered data enrichment, moving financial institutions from data to decision in real time. ## Other pages - [Home — Banking Orchestration in the AI and Real-Time Era](https://xyb.co/): XYB is the Adaptive Financial Infrastructure company; the AFI Platform is the banking orchestrator. - [Insights — essays and analysis from the team](https://xyb.co/insights): Six buyer-facing pillars: Company, AFI Category, AFI Platform, Adaptive Digital Banking, Commercial Treasury, Security & Compliance. - [Talk to us](https://xyb.co/talk-to-us): The single conversion route. The page describes five ways in, matching the contact form's own options: Book a Demo, Technical Deep Dive, Speak to Sales, Partnership Enquiry, General Enquiry. ## External - [XYB Trust Center](https://trust.xyb.co): real-time compliance status, certificate downloads, SOC 2 report request. - [Technical Documentation](https://docs.xyb.co): developer-facing API references and integration guides.