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Adaptive Financial Infrastructure — AFI
Enterprise-grade financial infrastructure that adapts to your institution. Built for the complexity of modern banking, designed for the simplicity you deserve.
Legacy infrastructure was never designed for today's demands.
Most banks run on infrastructure designed for batch processing and siloed product lines, not real-time operations or multi-entity complexity.
Compliance costs escalate, time-to-market stretches to months, and technology debt compounds with every workaround.
Point solutions and cloud-wrapped legacy cores promise change but deliver fragmentation: another integration, another silo, another governance gap.
Three principles that define Adaptive Financial Infrastructure.
Business logic lives in the orchestration layer, not locked inside a vendor product. Banks configure, compose, and extend without waiting on a roadmap.
Every event carries who initiated it, what rules apply, what comes next. Decisions happen in real time without manual intervention. Intelligence is embedded in the workflow, not on a separate system to maintain.
Compliance, audit trails, and approval logic are architectural, built into every transaction by default. As you expand capabilities or enter new markets, governance scales with you automatically.
SOC2 Type II attested
ISO 27001 certified
12
years platform development
1M+
transactions per minute
Purpose-built solutions for the institutions that need them most.
Own the treasury your commercial customers need. Fiat, instant, and stablecoin.
Explore commercial bankingOnboarding, accounts, cards, and payments. Modern infrastructure without the migration.
Explore retail & SMBThe Adoption Journey
Whether you're launching a single product or transforming your entire stack, XYB meets you where you are.
01
Deploy
Launch your first product in under 12 weeks. Start with a single use case and prove value fast.
02
Expand
Add new products, payment rails, and entities. Scale horizontally without re-platforming.
03
Modernise
Progressively replace legacy systems at your own pace. No big bang. No disruption.
Understand the solutions you can build and the infrastructure that powers them.