Own the Treasury Offering Your Customers Need. Adapt in Weeks.
Fiat, Instant, and Stablecoin treasury for your Commercial customers. Under your terms.
Commercial Treasury Solution (CTS) is the future-proofed treasury offering financial institutions ship to their commercial customers, built on the AFI Platform: multi-rail orchestration, unified real-time visibility into the asset position across fiat and stablecoin, and bank-grade governance. See, Move, Govern, and Reconcile on one substrate, so treasurers adapt in weeks, on the bank's terms.
Multi-Rail Treasury for Commercial Banking, Future-Proofed on the AFI Platform.
Four Capabilities render into the treasurer's day: See · Move · Govern · Reconcile.
See
See the full asset position across every account, every rail, and every currency type, in real time.
Asset Visibility · Account Aggregation · FX Engine
Move
Execute payments across every rail with unified initiation and configurable routing.
Real-Time Payments · Multi-Rail Routing · Stablecoin Treasury · FX Engine
Govern
Set and enforce who can do what, at what threshold, under what audit trail.
Risk Engine · Sanctions · Audit · Policy Engine
Reconcile
Match what happened to what should have happened; export audit-ready evidence.
Reconciliation Engine · Ledger · Audit Trail
The Right Rail for Every Payment.
One interface across every rail, with routing rules you configure per payment: by speed, cost, corridor, and compliance posture.
Not Ready for Stablecoin? The Rails Are Ready When You Are.
Stablecoin is not a separate project. It's a rail on the same substrate: same controls, same audit trail, same ledger as fiat.
Inherent, not bolted on
The multi-currency ledger treats stablecoin as a currency class, at the architecture level.
Activated on your decision
Launch fiat-only. Turn on stablecoin rails when your customers, board, and regulators are ready.
Aligned to the GENIUS Act
Records, redemption, and sanctions posture aligned to the January 2027 regime from day one.
Built for the Bank. Built for the Treasurer.
One event-native substrate renders into two working days.
XYB Console
Product configuration, limits and thresholds, customer administration, evidence export. The bank's teams run the offering.
Commercial Customer Portal
Balances, payments, approvals, reconciliation, under the bank's brand. The treasurer runs the day.
Multiple Portals. Manual Reconciliation. No Real-Time Visibility.
What your commercial customers live with today.
Fragmented payables
Payments across ACH, Wire, RTP, FedNow, and SEPA mean multiple portals, multiple approval workflows, manual reconciliation.
No live cash position
No real-time visibility across accounts at multiple financial institutions. The picture is yesterday's report.
Stablecoin outside the bank
Stablecoin operations sit outside the bank's treasury offering, fragmenting the customer's finance stack and the bank's view of it.
Read what mid-market treasury teams are asking their banks for.
Three Ways to Deliver the Treasury Your Customers Need.
Commercial customers expect every rail, real-time visibility, and approvals that keep pace with the business. How you deliver it decides whose brand they work in every day.
Refer it out
Point customers to a third-party treasury tool, and your bank becomes the rails behind someone else's interface.
Build it
Build it in-house, and the first customer waits years for it.
Ship it on CTS
Ship the treasury offering under your brand, on your infrastructure, with first production value in 10 weeks.
The offering carries your brand, and the commercial relationship stays with you.
Every Alternative Solves Part of the Problem.
Not a feature checklist: a structural gap in each approach that no roadmap closes.
Nacha Phase 2. California DFAL. GENIUS Act. Two in Force. One Dated.
The compliance window is already open: two regimes live, the third dated. XYB's current motion focuses on US Tier 2 and Tier 3 regional banks, where all three land hardest. One infrastructure question answers all three.
19 June 2026
In force
All RDFIs are subject to expanded credit-monitoring rules across the ACH network; real-time fraud monitoring is mandatory.
1 July 2026
In force
Five-year immutable transaction records are required for digital financial asset activity in-state.
18 January 2027
Dated
1:1 HQLA backing, monthly attestations, 24/7 redemption, and real-time sanctions for stablecoin issuance.
One event-native substrate answers all three: immutable records, real-time monitoring, audit-ready evidence by construction.
Multi-Rail, by Construction.
Deploy. Expand. Modernize.
CTS starts with Faster Payables and runs the canonical arc.
Deploy
Land it with your first commercial customers, integrated once against the canonical model.
Expand
Extend to a broader commercial base and bring the remaining Features online — Real-Time Asset Position, Stablecoin Treasury, Multi-Rail Routing, Risk Engine — on the integration already in place.
Modernize
Move at your own timeline: legacy commercial banking portals become optional, and the roadmap belongs to your institution.
Meet the Window.
Adapt in Weeks.
See the Commercial Treasury Solution orchestrate your rails.