Welcome to XYB, where we're not just changing banking services — we're revolutionising them. Our mission? To fast-track the global shift towards banking that's not only innovative but also universally accessible and inclusive.

In today's fast-paced digital age, traditional banking systems need to improve to meet the evolving needs of modern customers. That's where XYB steps in; we are spearheading the 5th generation of core banking with our trailblazing coreless banking platform. 

Our platform isn't just another product in the market; it's a beacon of excellence born from years of meticulous development, refinement, and stringent testing. It stands as a testament to our team's unrivalled expertise. Having launched Monese – a pioneering smart money service that has transformed the financial lives of millions across 31 countries, we took the technology and our know-how and launched XYB. It already powers Monese and the propositions of 2 global tier-1 banks. 

At XYB, we envision banking as an effortless, transparent, and profoundly personal experience. Our state-of-the-art technology, advanced analytics, and flexible modular architecture empower banks and non-banks to offer seamless, customised banking solutions.

By adopting MACH (microservices, API-first, cloud-native SaaS, headless) principles and BIAN (Banking Industry Architecture Network) framework, our clients can choose from the best tools on the market today and provide a structure that makes it easy to add, replace, or remove technologies in the future. 

Stay tuned for the latest breakthroughs, industry insights, and exciting product launches. As we spearhead a new era in banking, we invite you to join our quest. Let's enable financial institutions to meet and exceed customer expectations, unlocking unprecedented business potential.

Banking

XYB by Monese

Jonas Kiiver

Teams at XYB by Monese

Product and Development

Leadership Team