A mid-sized, US-licensed money transmitter serving the US–Mexico corridor is seeking to add two payout partners: a bank network in Guatemala and a real-time payout provider in Colombia. One partner requires a REST API, the other a file-based SFTP exchange. Without an in-house integration team, each connection would require months of contracted development, repeated certification failures due to mapping errors, and ongoing maintenance of additional interfaces. With Exby, the MSB installs the XB-Operator in its environment and connects once. Exby's team manages discovery, field mapping, certification testing, and documentation for both partners. The MSB's platform sends data in a consistent format, while the XBO translates it to each partner's requirements and standardizes all responses to the MSB's taxonomy. The first integration certifies in weeks and the second even faster. When the MSB adds a stablecoin-based settlement partner, it is simply another connector - not a new build. Expansion becomes a strategic and business decision rather than an engineering project.
One interface, every payment partner. Providing locally installed middleware that translates data formats, normalizes responses, and certifies new corridors without intermediaries.
Exby Solutions: Connect Better
Exby Solutions enables money services businesses, fintechs, and financial institutions to connect with all payment partners through a single interface - an approach which is not only faster but also does not introduce intermediaries into the transaction flow.
The Problem:
Each new payment partner - whether a processor, payout network, bank, or stablecoin platform - typically requires a custom integration. This leads to unpredictable time-to-market, certification failures due to mapping errors, and increasing maintenance costs with every connection.
Integrations alone do not promote growth; operationalizing them does. Allocating engineering resources to integration infrastructure is an inefficiency the industry has long accepted as standard.
The Exby Solution:
Exby's integration services are built around the XB-Operator (XBO), a connector-based configuration service installed within your environment. Your systems connect to the XB-Operator once and it adapts to each partner's requirements and formats, serving as a universal adapter for your partner network.
- Interpreter: Handles many different data formats, translating between your system and every partner.
- Orchestrator: Manages transaction flows, validation, error handling, and retries for compliant, reliable delivery.
- Normalizer: Standardizes all partner responses into one taxonomy you define.
- Secure & Localized: The XBO operates within your environment; data flows are encrypted and direct between you and your partner with Exby never receiving or storing transaction data.
Our engagements include discovery, field mapping, certification testing, full documentation (mappings, transformation rules, SOPs), and post-certification support. The solution is compatible with your existing platform and supports both aggregator and direct connections.
Our model is also scalable: as every partner connects through the same interface, each new corridor, payer, or product certifies much faster, turning network expansion from an integration challenge into a growth opportunity.
The Team:
Exby Solutions was founded by industry veterans with over 50 years of combined cross-border payments leadership at PNC Global Transfers, BBVA Transfer Services, Spectrum Global Payment Solutions, and TransNetwork.
Use Cases
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