XYB is a fintech company creating a coreless banking platform. By offering independently deployable components, XYB enables banks and non-banks to rapidly deploy and scale financial products, such as current accounts, savings, lending, and digital wallets, with zero downtime. Their API-first platform comprises 10 foundational engines, over 200 services, and more than 60 partner adapters. XYB empowers financial institutions to modernize progressively, minimizing risk and achieving return on investment in months, not years.