XYB
XYB is a London-based private software company that sells Adaptive Financial Infrastructure — a composable banking platform with ledger, payments, accounts, and credit modules — to challenger banks and global financial institutions via direct enterprise sales.
- Company typePrivate
- Founded2023
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What XYB does
XYB (XYB Limited, UK company no. 14610499) is a private financial-infrastructure software company headquartered in London that sells an Adaptive Financial Infrastructure (AFI) platform to banks and financial institutions ranging from challenger banks to global institutions. The platform is a three-layer composable architecture — a Component Layer exposing financial primitives (ledger, payments, accounts, credit), an Orchestration Layer where business logic and workflows are configured, and an Experience Layer delivering customer-facing interfaces — and the company claims 12+ years of platform development with throughput of over one million transactions per minute.
The product surface spans named modules (XYB Ledger, XYB Payments, Accounts, Credit, XYB Console) and packaged solutions for Commercial Banking (treasury overlay, cross-border payables, stablecoin) and Retail & SMB Banking (onboarding, cards, payments, lending). Native integrations with Onfido and Veriff provide KYC/AML identity verification. Certifications include SOC2 Type II and ISO 27001, with governance, audit trails, and approval logic positioned as architectural defaults rather than bolt-ons. The company operates in the UK, broader Europe, and the Nordic region, where the Nordic Revolving Credit Line serves as a flagship localised product.
XYB monetises through a two-part commercial model: a fixed project fee covering an 8–10 week scoped deployment (discovery, configuration, integration, go-live), followed by consumption-based ongoing platform usage priced on transaction volume and feature consumption. Distribution is exclusively direct enterprise sales targeting CTOs, VP Engineering, VP Product, and Heads of Compliance, with no channel partners or resellers identified. The disclosed leadership comprises CEO Derek Joyce and Chief Product & Operating Officer Melissa Donohue; the company is privately held with no parent, subsidiaries, or disclosed investors in the source material.
XYB firmographics
Firmographics- Name
- XYB
- Legal name
- XYB Limited
- Website
- https://xyb.co
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- XYB is a London-based private software company that sells Adaptive Financial Infrastructure — a composable banking platform with ledger, payments, accounts, and credit modules — to challenger banks and global financial institutions via direct enterprise sales.
- Ownership category
- akta.pro rank
XYB industry classification
Industry- Product category
- Banking Infrastructure Software
- NAICS
- Computer Systems Design and Related Services (54151), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where XYB is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
XYB business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Platform Deployment (Fixed Project Fee): Every engagement begins with a scoped deployment at a fixed project fee covering discovery, configuration, integration, testing, and go-live preparation over 8-10 weeks.
- Consumption-Based Platform Usage: Ongoing platform usage is consumption-based — customers pay for what they use. Scales with transaction volume, component usage, and feature consumption.
- Consumption-Based Scaling: For API-Only deployment pattern, consumption-based scaling applies with lowest operational footprint and minimal integration surface.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Multi-year contract | Fixed project fee deployment covering 8-10 week discovery-to-production launch |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
XYB product offering
Product offeringCore offering
XYB sells Adaptive Financial Infrastructure (AFI), a composable, three-layer enterprise banking platform for financial institutions. The Component Layer delivers independently deployable financial primitives (ledger, payments, accounts, credit, cards); the Orchestration Layer configures and automates end-to-end workflows without custom code; and the Experience Layer delivers branded customer-facing interfaces. Two pre-built solution packages — Commercial Banking and Retail & SMB Banking — run on the same platform, and customers consume it under a fixed-fee deployment engagement followed by consumption-based ongoing platform usage.
Product overview
XYB offers Adaptive Financial Infrastructure (AFI), a composable, three-layer banking platform: a Component Layer (financial primitives), an Orchestration Layer (workflow configuration and automation), and an Experience Layer (customer-facing interfaces). The platform is delivered as a unified, modular system composed of several named products: XYB Ledger (double-entry accounting and reconciliation), XYB Payments (multi-rail payment processing), Accounts (account services), and Credit (lending and credit lifecycle management). Two solution packages are built on AFI — Commercial Banking (treasury overlay, cross-border payables, stablecoin support) and Retail & SMB Banking (onboarding, cards, real-time payments, lending) — both powered by the same underlying XYB Console for configuration, workflow management, and governance. The Nordic Revolving Credit Line is a named credit product use case illustrating XYB's credit composability.
Differentiator
Problem solved
Functional benefit
Products and services
- Adaptive Financial Infrastructure (AFI)
Quantifiable outcome
- Deploy first product in under 12 weeks with day-one value
- +2 more outcomes
Companies that use XYB
Customer profileSegments5 records
Ideal customer profiles2 records
XYB technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
XYB partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
XYB competitors and assessment
Company assessmentDirect peers
- Thought Machine: UK-based provider of cloud-native core banking technology (Vault), directly competing with XYB's composable AFI for retail, commercial, and wealth banking modernisation deals at challenger and incumbent institutions.
- 10x Banking: London-headquartered cloud core banking platform serving challenger and tier-1 banks, competing head-to-head with XYB on next-generation core replacement and phased modernisation journeys.
- Mambu: Composable banking SaaS platform offering ledger, deposits, lending, and payments building blocks — overlapping directly with XYB's Component and Orchestration layers for neobanks and embedded finance use cases.
- Solaris SE: German Banking-as-a-Service platform providing ledger, accounts, cards, payments, and lending infrastructure to European banks and fintechs — a direct European competitor to XYB's Retail & SMB and Commercial Banking solutions.
Broad incumbents
- Plaid: Established US data-aggregation and bank-connectivity platform; XYB competes at the connectivity and orchestration edges with a deeper core-banking offering, while Plaid offers broader account-linking and payment-initiation rails.
- Marqeta: US-listed modern card-issuing and payment-processing platform; overlapping with XYB's Payments module and card programs, though focused primarily on issuing rather than full core-banking scope.
- Stripe Treasury: Embedded finance offering from Stripe providing treasury, banking-as-a-service, and financial accounts APIs to platforms — a broad incumbent with deep fintech distribution that competes for embedded-finance wallet and account use cases.
- Temenos: Large incumbent core-banking software vendor targeting global retail, commercial, and wealth institutions; XYB positions against Temenos as the cloud-native, composable alternative for modernisation programs.
Emerging players
- Banked: UK-based account-to-account payments and digital wallet infrastructure provider, overlapping with XYB's Accounts and Payments modules for real-time bank-to-bank experiences.
- Weavr: Embedded finance infrastructure platform offering payments, accounts, and cards APIs — a comparable emerging player focused on developer-first, configuration-driven banking primitives.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
XYB social profiles
Digital presenceXYB compliance and trust
Trust signalCompliance2 records
XYB financial estimates
Financial estimateRevenue estimate
Valuation estimate
XYB leadership team
Management profileNumber of profiles
Profiles2 records
XYB funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
XYB M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about XYB
What does XYB do?
XYB sells Adaptive Financial Infrastructure (AFI), a composable, three-layer enterprise banking platform for financial institutions. The Component Layer delivers independently deployable financial primitives (ledger, payments, accounts, credit, cards); the Orchestration Layer configures and automates end-to-end workflows without custom code; and the Experience Layer delivers branded customer-facing interfaces. Two pre-built solution packages — Commercial Banking and Retail & SMB Banking — run on the same platform, and customers consume it under a fixed-fee deployment engagement followed by consumption-based ongoing platform usage.
Is XYB a public or private company?
XYB is a private company. It is classified as unknown and is currently operating.
When was XYB founded?
XYB was founded in 2023. It employs 51 to 100 people.
Where is XYB based?
XYB is headquartered in London, United Kingdom, in the Europe region.
How does XYB make money?
Three revenue lines are on record. Platform Deployment (Fixed Project Fee) is the primary driver. The others are consumption-Based Platform Usage and consumption-Based Scaling.
Who are XYB's main competitors?
Direct peers on record are Thought Machine, 10x Banking, Mambu and Solaris SE. Broad incumbents are Plaid, Marqeta, Stripe Treasury and Temenos. Emerging players are Banked and Weavr.
Does XYB have an API?
Yes. XYB offers a public developer-facing API accessible through its documentation portal at docs.xyb.co. The documentation covers platform modules including XYB Ledger (accounting and reconciliation), XYB Payments, Accounts, and Credit. Developers can design, configure, and orchestrate financial products and workflows programmatically. The platform supports configuration-driven deployment with API access for product creation, workflow management, and operational tasks. Developer documentation is at docs.xyb.co.
What industry is XYB in?
XYB's product category is Banking Infrastructure Software. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 54151 and its SIC code is 7370.