X Y O

Sub-15ms Intelligence for Core Payment Rails

XYO disambiguates cryptic payment feeds into canonical merchant identity, official brand assets, and deep spend taxonomy, executing entirely within your secure perimeter.

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INGRESSMCDONALDS 1294 CHARLTON SE7 7SU GB
7.4ms
McDonald'sCharlton SE7VERIFIED

The Live Payment Switch Feed

Watch real-world authorization requests stream across core payment switch rails and smoothly morph into verified merchant profiles with sub-10ms neural clarity.

XYO Gateway • Live Payment Switch Rails
Core Banking Switch Intercept•Sub-10ms SLA
Switch Ingress: ISO 8583 Packet
-£14.85GBP
Incoming Wire Descriptor
MCDONALDS 1294 CHARLTON SE7 7SU GB
MCDONALDSBrand Entity1294Store IDCHARLTONLocalitySE7 7SUPostal CodeGBCountry ISO
Wire Ingress: 1.2ms•Neural Match: 3.4ms•Geo Disambiguation: 1.8ms•Total: 7.4ms
Click card to inspect full verified dossierTap to inspect dossierInspect Dossier →
Live Authorization Stream7 Active Real-World Cards
Click any card to inspect full verified dossier or focus authorization
McDonald's
Charlton SE7
-£14.85
Authorizing
MCDONALDS 1294 CHARLTON SE7 7SU GB
Fast Food & Quick Service99.92%0.84 kg CO₂e
COSTA
Costa Coffee
Cutty Sark SE10
-£4.20
6.9ms
SQ *COSTA COFFEE #891 SE10 LONDON GB
Cafes & Coffee Shops99.88%0.28 kg CO₂e
Uber
Uber Mobility
Amsterdam NL
-€18.60
9.1ms
UBER *TRIP 1492NL AMSTERDAM HELP.UBER
Rideshare & Taxis99.74%2.45 kg CO₂e
TfL
TfL Transit
London E20
-£3.40
5.8ms
TFL TRAVEL CHARGE TFL.GOV.UK/CP LONDON GB
Public Transit & Commuter Rail99.95%0.15 kg CO₂e
a
Amazon US
Seattle WA
-$38.90
6.2ms
AMZN Mktp US*8A7B6C AMZN.COM/BILL WA USA
E-Commerce Marketplace99.89%1.85 kg CO₂e
Spotify Premium
Stockholm SE
-€10.99
5.4ms
SPOTIFY *P1499A STOCKHOLM SE
Audio & Media Streaming99.94%0.04 kg CO₂e
AWS Cloud Infrastructure
Seattle WA
-$4,820.00
6.1ms
AMZN AWS US WA SEATTLE 08/26 CORP CARD
Cloud Infrastructure & Hosting99.96%1.42 kg CO₂e

Watch raw chaos become crystal-clear
merchant profiles in milliseconds.

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Key Features

Our AI instantly identifies merchants, attaches logos, generates clear descriptions, and applies intelligent categories. Even from messy strings like “Costa PickUp” or “STRBUKS GREENWICH”.

banking app with raw transactionsbanking app with enriched transactions
  • Instant Disambiguation: From messy terminal strings to canonical brands in milliseconds.
  • Visual Brand Identity: Official logos and verified profiles delivered directly to banking feeds.
  • Deep Spend Taxonomy: Multi-level behavioral categorization beyond basic MCC codes.
  • Sub-15ms Engine Latency: Real-time p99 performance for on-premises & dedicated appliances.
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Strategic Value

Transforming raw, cryptic ledger noise into crystal-clear consumer engagement and high-margin institutional intelligence.

The Optical Prism of Financial Clarity
Consumer Experience

The End of Financial Blindness

Legacy banking feeds strand consumers in cryptic terminal strings and ambiguous merchant codes. XYO converts raw transaction noise into crystal-clear consumer dialogue: verified merchant identities, geodetic precision, and intuitive spending intelligence rendered instantly in-feed.

99.8%
Recognition Lock
Deterministic match rate across ambiguous merchant descriptors
Instant
Geodetic Fix
Street-level storefront coordinates and verified corporate logos
Zero
Ambiguity
Eliminating phantom charges and cardholder dispute anxiety
Institutional Core

Turning Data into a Strategic Weapon

Raw payment trails conceal mission-critical banking intelligence. XYO equips core banking infrastructure with real-time merchant classification, deep graph intelligence, and predictive spend telemetry, converting dormant ledger data into high-margin interchange optimization and automated dispute defense.

60%
Dispute Deflection
Reduction in first-party chargebacks and call center support overhead
<15ms
Engine SLA
Wire-speed inline latency engineered for real-time authorization switches
100%
Data-Sovereign Privacy
Zero plain-text data exfiltration with data-sovereign hybrid deployment
The Neural Reactor of Strategic Intelligence

Engineered for Core Payment Rails

Why tier-1 financial institutions, card issuers, and modern fintechs mandate XYO over legacy multi-tenant cloud aggregators.

Architectural Dimension
Legacy Cloud Aggregators
Multi-tenant aggregators & PFM scrapers
XYO Sovereign EnginePROD-READY
Dedicated VPC & On-Premises Core Appliance
Inference Latency
p99 Single-Transaction SLA
250ms to 650ms
High cloud roundtrip latency and asynchronous queueing. Unviable for inline payment authorization switches.
Sub-15ms p99 SLA
Engineered in C++, Rust, and Go to execute synchronously within live ISO 8583 card switches and ISO 20022 real-time rails (FedNow, RTP, Faster Payments, SEPA Instant).
Data Sovereignty & Egress
Network Isolation
Mandatory Cloud Egress
Customer transaction feeds leave the bank's secure perimeter, routed through shared multi-tenant SaaS infrastructure.
Data-Sovereign Hybrid Deployment
Deploys directly inside your dedicated VPC or private banking datacenter via Helm. Local L1 deterministic matching executes in-memory with sub-5ms latency, with optional private in-region L2 contextual fallback for complex tail resolution. Zero customer data retained on disk.
Privacy & Data Retention
Audit & PII Posture
Data Pooled & Retained
Transactions are stored in cross-tenant data lakes and mined for secondary aggregate consumer spending intelligence.
Stateless Zero-Retention
In-memory tokenization only. No raw card numbers, PAN, or PII are ever persisted to disk or logged, ensuring effortless UK GDPR, PRA, OCC, and Fed compliance.
Entity Resolution Precision
Top-1 Accuracy
Heuristic Regex Lists
Brittle keyword pattern matching that frequently hallucinates on payment aggregators (Square, Stripe), franchises, and airport terminals.
99.8% Dual-Engine Neural Match
Proprietary neural transformer models disambiguate trade entities with geospatial postal verification, MCC validation, and confidence scoring.
Systems Engineering
Integration Runtime
Generic Web APIs
Limited to generic HTTP REST endpoints with high serialization overhead; lacks systems-level core banking integrations.
7 Native Systems SDKs
Official high-throughput SDKs for C++, Rust, Go, Java (Enterprise), .NET 8, Python, and Node.js with native memory streaming.
Institutional Risk & Diligence
Procurement & Assurance
Vendor Lock-in & Exposure
Third-party cloud downtime risk, regulatory cross-border transfer exposure, and restrictive SaaS lock-in terms.
Source Escrow & Bank SLAs
Institutional source code escrow available, contractual uptime SLAs, complete SBOM transparency, and dedicated VPC onboarding.
Institutional Diligence Pack Available: Independent penetration test audit summaries, EBA/PRA compliance briefing, reference hardware benchmarks, and Helm installation manifests available under NDA.
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Seamless Integration

Beyond auto-generated stubs: hand-crafted systems wrappers engineered for high-throughput core banking switches and sub-15ms payment authorization.

Software Development Kits (SDKs)

Python 3.9+ (AI / Quants / Data Science)
from xyo import Client

with Client(api_key="YOUR_API_KEY") as client:
    response = client.enrich_transaction(
        content="COSTA PICKUP LONDON",
        country_code="GB",
    )
    print(f"Merchant: {response.merchant}")

Production Switch Telemetry & Runtime Guarantees

CIRCUIT BREAKERSUB-1MS SLA
Sub-1ms Fail-Open Circuit Breaking
TRIP LATENCY< 0.42ms
FALLBACKFAIL-OPEN

Polly, Resilience4j, Atomic state machines; fail-open guarantee prevents payment switch timeouts.

Polly (.NET)Resilience4jAtomic CAS
TCP SOCKET POOLZERO TIME_WAIT
Industrial Socket & Connection Pooling
SOCKET STATEWARMED TCP
CHANNELKEEP-ALIVE

Persistent HTTP keep-alive, pre-warmed TCP sockets, backpressure regulation, zero TIME_WAIT exhaustion.

Keep-AlivePre-WarmedBackpressure
MEMORY RUNTIMEZERO ALLOC
Zero-Leak Deterministic Memory Runtimes
ALLOCATION0 B / op
ISOLATIONPIMPL / SLICE

C++17 PIMPL pointer isolation, Rust zero-allocation slicing, Go sync.Pool, .NET pooled SocketsHttpHandler.

C++17 PIMPLRust SlicesGo sync.Pool.NET Sockets
INGRESS GUARDPCI-DSS COMPLIANT
Pre-Flight Ingress Cardholder Guard
CHECKSUMLUHN MOD-10
WIRE HALTPRE-FLIGHT

Client-side Luhn Mod-10 checksum & CVV regex inspection halts cardholder data before wire transmission.

Luhn Mod-10CVV RegexWire Shield
Explore SDK Repositories on GitHub

RESTful API (HTTP/1.1)

OpenAPI 3.0.0 Specification (YAML)
openapi: 3.0.0
info:
  title: XYO RESTful Transaction Enrichment API
  version: 2.0.9
  description: "RESTful API for enriching financial transactions."
servers:
  - url: https://api.xyo.financial
    description: "Production API Server"
paths:
  /v1/ai/finance/enrichment/transaction:
    post:
      summary: Transaction Enrichment
      description: "Enrich a single financial transaction synchronously."
      operationId: enrichTransaction
      security:
        - BearerAuth: []
      parameters:
        - name: X-Correlation-ID
          in: header
          required: false
          schema:
            type: string
            format: uuid
      requestBody:
        description: "Transaction enrichment request payload."
        required: true
        content:
          application/json:
            schema:
              title: EnrichmentRequest
              type: object
              properties:
                content:
                  type: string
                  maxLength: 128
                  example: "COSTA PICKUP LONDON"
                countryCode:
                  type: string
                  minLength: 2
                  maxLength: 2
                  example: "GB"
              required:
                - content
                - countryCode
            examples:
              costa:
                summary: "Costa Coffee transaction"
                value:
                  content: "COSTA PICKUP LONDON"
                  countryCode: "GB"
      responses:
        "200":
          description: "Successful response returning enriched merchant details."
          headers:
            X-Correlation-ID:
              schema:
                type: string
                format: uuid
          content:
            application/json:
              schema:
                title: EnrichmentResponse
                type: object
                properties:
                  merchant:
                    type: string
                    example: "Costa Coffee"
                  description:
                    type: string
                    example: "Costa Coffee is a British coffeehouse chain and a subsidiary of The Coca-Cola Company."
                  categories:
                    type: array
                    items:
                      type: string
                    example:
                      - "Food & Beverage"
                      - "Cafes & Coffee Shops"
                      - "Dining Out"
                  location:
                    type: string
                    example: "United Kingdom, London"
                  address:
                    type: string
                    example: "40-42 Great Portland St, London W1W 7LZ"
                required:
                  - merchant
                  - description
                  - categories
              examples:
                costa:
                  summary: "Costa Coffee enriched response"
                  value:
                    merchant: "Costa Coffee"
                    description: "Costa Coffee is a British coffeehouse chain and a subsidiary of The Coca-Cola Company."
                    categories:
                      - "Food & Beverage"
                      - "Cafes & Coffee Shops"
                      - "Dining Out"
                    location: "United Kingdom, London"
                    address: "40-42 Great Portland St, Marylebone, London W1W 7LZ"

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your payment data?

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