Sold by: XYB Inc
Deployed on AWS
Adaptive Financial Infrastructure - AFI Platform on AWS: the banking orchestrator unifying systems, people, and processes across the systems you already run, without replacing them.
Overview
XYB is the Adaptive Financial Infrastructure company. The AFI Platform runs on AWS and orchestrates the systems you already own, so you add AI and real-time capabilities without migration risk.
Legacy cores were built for batch processing and siloed product lines, not real-time operations or agentic AI. Point solutions and cloud modernization projects promise change but deliver fragmentation. Adaptive Financial Infrastructure (AFI) is a new infrastructure category for banking orchestration, unifying systems, people, and processes on one substrate. It orchestrates the systems banking depends on - AI systems, payment rails, data platforms, legacy cores, ledgers, channels - as one, without replacing what already works.
The AFI Platform is built in three layers:
- Experience Layer (White-Label): the financial institution's end-customer-facing surface, branded as the bank's own product. Renders XYB Solutions (Adaptive Digital Banking, Commercial Treasury Solution) and offerings your teams compose from the Capabilities beneath. XYB invisible to the end customer.
- Orchestration Layer (Event-Native): where banking orchestration happens. Apache Kafka event bus as the orchestration substrate; Apache Iceberg lakehouse for real-time data unification. Groupings of services deliver named Capability Elements (Ledger, Payments, FX Engine, Onboarding, KYC).
- Runtime Layer (Container-First): microservices on Kubernetes with Terraform-managed infrastructure, running natively on AWS.
Why financial institutions choose XYB:
- No replacement: deploys alongside existing systems with no migration risk or operational disruption.
- Adapt at Speed: reach first production value in weeks, not years, on proven infrastructure.
- Operate in Context: real-time context unification for humans and AI agents; unified state, not fragmented portals.
- Scale with Control: every event carries state, consequence, and control at event speed; audit trails, approval logic, and compliance built into every transaction.
- Pick and compose: build any banking product on shared event-native building blocks, configured and extended by your teams in real time, not by a vendor roadmap.
- Proven: Orchestrating 1M+ transactions per minute in production. SOC 2 Type II attested. ISO 27001 certified.
A decade of continuous development on an event-native architecture: events as the paradigm at every layer, not retrofitted onto a batch core. Two Solutions ship on the AFI Platform today: Adaptive Digital Banking (ADB) for retail and SMB digital banking, and the Commercial Treasury Solution (CTS) for financial institutions serving mid-market commercial customers. The Platform is open to what comes next: new Solutions on the roadmap, and offerings your teams compose. Start with a single Capability, prove value fast, then deploy, expand, and modernize on your own timeline.
Highlights
- Adapt at Speed: deploy on AWS alongside the systems you already run; no replacement, no migration and reach first production value in weeks, not years.
- Operate in Context: real-time context unification for humans and AI agents; humans see unified data, AI agents work from deterministic state, no hunting across portals.
- Scale with Control: every event carries state, consequence, and control; orchestrating 1M+ transactions per minute, SOC 2 Type II attested, ISO 27001 certified.
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Pricing
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/36 months |
|---|---|---|
AFI Platform - Enterprise Subscription | Subscription to the XYB AFI Platform - the banking orchestrator - unifying systems, people, and processes across Experience, Orchestration, and Runtime layers deployed on AWS. Includes onboarding, implementation support, and access to the XYB Console, APIs, and SDKs. Enterprise scope and pricing are tailored per institution; connect with XYB to configure your package. | $0.01 |
Dimensions summary
This listing offers one pricing option: an Enterprise Subscription billed by units under a contract. You buy access to the AFI Platform, which spans the Experience, Orchestration, and Runtime layers deployed on AWS. The subscription includes onboarding, implementation support, and access to the XYB Console, APIs, and SDKs. There are no separate tiers or add-on dimensions to choose from. Instead, XYB tailors the scope and pricing to each institution. You work directly with XYB to configure your package, so the unit quantity reflects your specific deployment needs.
Top-of-mind questions for buyers
A unit maps to the scope of your configured deployment, not a fixed resource like a seat or server. XYB tailors the unit count to your institution's package. Because pricing is arranged per institution, you work directly with XYB to define what your units cover before purchase.
The subscription covers the AFI Platform across the Experience, Orchestration, and Runtime layers. The platform is built in independently deployable layers and components, so you can start with one and expand later. Your configured scope determines what you deploy. Confirm your specific layer and component coverage with XYB.
Onboarding and implementation support are included in the Enterprise Subscription. You also get access to the XYB Console, APIs, and SDKs. Because the platform deploys alongside existing systems without replacement, setup runs in parallel with your current infrastructure. No separate setup dimension appears in the pricing.
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Vendor support
For support, contact support@xyb.co . Technical documentation is available at https://docs.xyb.co . Enterprise customers receive a dedicated implementation and support team as part of onboarding.
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