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X Y O

Turn Ambiguous Payment Transactions
Into Rich Merchant Intelligence
AI Payment Transaction Enrichment
Instant Merchant identification
^{Even misspelled/abbreviated}
Intelligent Categorisation
^{(MCC-Level + Custom)}
Logo + Profile
^{(brand trust at a glance)}
Multi-regional and Multilingual
Your data never leaves your region
Bulk & Real-time API
^{(Node, Go, Rust, PHP SDKs ready)}
SOC 2 Type II coming Q2
Empowering Financial Institutions

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Transaction Enrichment in Action

Stop guessing. Start knowing with the same AI layer the smartest fintechs are already quietly using

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

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 transactions and payments

Accurate merchant identification (handles abbreviations, misspellings, foreign names)
Automatic logo attachment & short branded description
Multi-level categorisation (MCC + custom)
Real-time & bulk processing
Node, Go, Rust, PHP SDKs + REST API
Bank-grade security & privacy (GDPR compliant, SOC 2 in progress)

Benefits

For the Customers

The End of Financial Blindness

Hyper-Personalised Engagement:
We transform a cryptic list of merchant codes into a curated, intuitive dialogue...

The Clarity Engine:
We provide a high-definition map of spending...

Behavioral Empowerment:
Surface invisible patterns in real-time.

For the Banks

Turning Data into a Strategic Weapon

Precision Revenue Generation:
Stop broadcasting. Start narrowcasting with perfectly timed offers.

Unbreakable Trust:
Prove you truly understand your customers’ lifestyles.

Digital Dominance:
Ultra-low latency AI that lets you outpace legacy systems.

How it Works

1. Send Raw Transaction

Push any payment string + country code via API or SDK.

2. AI Enrichment Engine

Our models identify merchant, generate profile, logo, description & categories with high confidence.

3. Receive Rich Data

Clean JSON ready for your mobile app, fraud engine, analytics, or CRM.

Seamless Integration

Software Development Kits (SDKs)

RESTful API (HTTP/1.1)

What the
financial
experts are
saying...

„
XYO Financial is leveraging cutting-edge artificial intelligence to develop Al-integrated financial software solutions. Their highly anticipated API for banking transaction enrichment empowers financial institutions with an innovative tool that significantly enhances the accuracy of data analysis.
Eddie Beresford
London FT 2026