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Adaptive Financial Infrastructure — AFI
SOC 2 Type II
attested. ISO 27001 certified.
Live in weeks
No system replacement required.
1M+ TPM
throughput
Three independently deployable layers. One coherent platform.
A direct comparison across the dimensions that matter most.
| Dimension | Legacy Cores | Cloud-Native Platforms | Point Solutions | AFI |
|---|---|---|---|---|
| Architecture | Monolithic | Distributed monolith | Siloed APIs | Composable, event-driven |
| Product Agility | Low | Moderate | High (in scope only) | Business-configurable in real time |
| Intelligence | Minimal | Reactive | Isolated | Embedded in context |
| Governance | Manual/siloed | Inconsistent | Varies | Governed scalability |
| Vendor Dependency | High | Moderate | High (multiple) | Low — BYO components |
XYB's engineering DNA comes from 12 years of building and operating banking infrastructure.
Built for a European neobank.
B2B platform built and deployed to neobanks and global banks.
Workflow-driven, built for the AI era, future-proofed.