- Adaptive Digital Banking (ADB)
- The future-proofed solution for retail and SMB, built on the AFI Platform.
- Adaptive Financial Infrastructure (AFI)
- Banking orchestration, unifying systems, people, and processes, context aware, operationally resilient.
- Adjacent software categories
- The adjacent software categories AFI unifies: Data Platforms for AI, Real-Time Payments, Decentralized Finance, Real-Time Data Streaming, Digital Banking, Treasury, and Business Process Orchestration.
- AFI Platform
- The banking orchestrator unifying context.
- Agentic AI
- The first force converging on banking infrastructure, alongside Real-Time Payments and Decentralized Finance. Agents reason on unified real-time context across the full banking stack.
- Apache Iceberg
- Open table format providing warehouse-grade ACID transactions and time-travel on the data lake; part of the Orchestration Layer.
- Apache Kafka
- The event backbone at the heart of the Orchestration Layer.
- Asset position
- Every asset the treasurer holds, fiat and regulated stablecoin, across every account and every rail. Broader than the cash position, which presumes fiat only.
- Banking Orchestration
- The defining mechanism of AFI: unifying systems, people, and processes on one event-native substrate. The AFI Platform is what delivers it.
- Canonical Model
- The banking-domain data model every connected system integrates into, once: Customer, Account, Beneficiary, Transaction, Balance. Every workload that follows reads the model, not the system.
- Capability
- The functional unit of an XYB Solution, named in the language of banking rather than software: Hold, Move, Lend, Grow in Adaptive Digital Banking; See, Move, Govern, Reconcile in Commercial Treasury Solution.
- Commercial Treasury Solution (CTS)
- The future-proofed offering for your customers, built on the AFI Platform.
- Decentralized Finance
- The third force converging on banking infrastructure, alongside Agentic AI and Real-Time Payments. Stablecoin readiness moves from market opportunity to regulatory requirement.
- Experience Layer
- The branded consumer- and operator-facing layer of the AFI Platform.
- Integration Tax
- The recurring cost of point-to-point integration: every new workload wired to every system it touches. On the canonical model it is paid once per system and does not repeat.
- Open Adapters
- How best-of-breed partners connect to the Platform: KYC, payments, fraud, AML and sanctions, and equivalents. Each partner sits behind its own adapter contract, so a provider can be substituted, and a partner's outage or price change is contained, without touching business logic.
- Orchestration Layer
- The event-native layer of the AFI Platform, where banking orchestration happens: the Apache Kafka event backbone, with Apache Iceberg unifying real-time and historical data.
- Real-Time Payments
- The second force converging on banking infrastructure, alongside Agentic AI and Decentralized Finance. Real-time mandates require infrastructure that operates in real time.
- Runtime Layer
- The container-first deployment base of the AFI Platform.
- XYB
- The Adaptive Financial Infrastructure company.