About
How Project XBY is put together
Project XBY is a global payments intelligence dashboard aimed at senior payments executives preparing for country reviews. Version 3.0 is a full rebuild against primary sources, with a narrower and deeper scope than the v2.1 product it replaces.
The tool answers one question: walking into a country review, what is the state of payments here, who is actually winning, and where is the opening? Every answer is delivered across eight analytical tabs per country, every KPI sourced to a specific URL, every sentence written to the editorial standard of a Financial Times correspondent — not a trade-press roundup.
Coverage
Thirty-three Tier-1 countries, selected by GDP rank and payments-system importance. Each one is a distinct JSON file (data/countries/<ISO2>.json) authored against the v3.0 schema and re-audited in April 2026.
Schema
Eight tabs per country — brief, consumerPayments, rails, economics, crossBorder, fraudSecurity, fintechDisruption, pulse. Every atomic KPI carries a SourceRef { publisher, title, url, accessedOn }. The build refuses to ship if any URL is missing or malformed.
FX snapshot
FX rates in v3.0 are pinned by the author as of 2026-05-24. Hard pegs (SAR, AED, HKD) are exact; floating rates are best-effort to within roughly 1.5% for G10 and 3% for higher-volatility currencies. Before v3.0 ships publicly, every rate must be revalidated against a live feed — ECB daily reference rates preferred.
Provenance
v2.1 shipped March 2026 with 138 countries, 12 tabs, and a single static index.html. It is frozen under /archive for reference. v3.0 is the authoritative product at the April 2026 cut; the next quarterly refresh window is July 2026.
Legal
Privacy, Terms, and Disclaimer
Last updated: April 2026
Project XBY is a personal, non-commercial project built for educational and research purposes. It explores the global payments landscape using publicly available data, with editorial drafting assisted by large language models and reviewed by the author. The following Privacy Policy, Terms of Use, and Disclaimer govern your use of the site.
1. Privacy Policy
Overview
Personal, non-commercial project for education and research. Not operated by any company, organisation, or employer.
Who operates this site
Built by an individual in personal capacity, on personal time, using personal equipment. Not affiliated with, endorsed by, or representative of any employer, company, card network, financial institution, payment scheme, regulator, or industry body.
What we collect
The site itself collects no usage data. No cookies, no analytics (no Google Analytics), no advertising or marketing trackers, no session identifiers. Only standard server logs maintained by the hosting provider (IP address, browser type, request timestamps) are generated, and those are governed by the provider's own policy.
Third-party services
Hosting is provided by Vercel. Source code and contributions are managed via GitHub. No advertising networks, retargeting pixels, or analytics platforms are integrated into the site. Editorial drafting was assisted by large language models during authoring; no LLM is invoked at runtime, and no user input is sent to any third-party model from the site.
Future features
Any future data collection will be voluntary, clearly labelled, and accompanied by an updated policy.
Cookies
None.
Children
Not directed at children under 16.
Australian Privacy Act
As a personal non-commercial project, Project XBY is likely not subject to the Privacy Act 1988 (Cth) or the Australian Privacy Principles, but no formal legal determination has been made. The site is designed to collect the minimum data possible regardless.
Changes
This policy may be updated. The “Last updated” date reflects the latest revision.
Contact
Via GitHub: github.com/xby-tech/paymentsadvisorypractice.
2. Terms of Use
Acceptance
Using the site means you agree to these Terms.
Nature
Personal, non-commercial, educational. Not a product, service, or commercial offering. Free of charge. No services contract is formed by use of the site.
Not financial, legal, or professional advice
Outputs are educational explorations of public information. Do not rely on them for business, investment, regulatory, commercial, or personal decisions. Consult a qualified, licensed professional.
Personal project, built independently
Developed entirely in the author's personal capacity with personal equipment. No proprietary, confidential, or non-public employer or client information has been used in development, calibration, or operation. All data sources are publicly available and cited inline.
No affiliation or endorsement
Not affiliated with, endorsed by, or sponsored by any employer, company, card network, scheme, financial institution, acquirer, payment service provider, regulator, or industry body. No organisation has authorised, reviewed, or had input into the site.
Data sources and limitations
Public sources include the IMF, World Bank, BIS, central banks, payments regulators, payment-scheme operators, listed-company filings, and industry submissions. No guarantee is made as to currency, completeness, or accuracy. Consult the original sources before relying on any figure.
AI-assisted content
Editorial drafting was assisted by large language models during authoring, then reviewed by the author. AI-generated content can be factually incorrect, misleading, inconsistent, or fabricated (“hallucinations”). No reader should act on any statement without independent verification against the cited source.
No warranty
Provided “as is” and “as available” with no warranties, express or implied.
Limitation of liability
To the maximum extent permitted by law, the author is not liable for any direct, indirect, incidental, special, consequential, or punitive damages including lost profits, revenue, data, goodwill, or business opportunity.
Australian Consumer Law
The Australian Consumer Law is not intended to be excluded where applicable. Where non-excludable guarantees apply, liability is limited to re-supply of the relevant content or the cost of re-supply.
Indemnification
You indemnify the author from any claims arising from your use of the site, your reliance on its content, or your violation of these Terms.
Intellectual property
Design, original written content, and the v3.0 schema belong to the author. Source code is open on GitHub for educational and inspection purposes. Personal and educational use is permitted. No commercial exploitation without written permission. Reuse requires attribution to Project XBY with a link back to the live site. Third-party data remains the property of the respective publisher and is referenced under fair-dealing principles.
Acceptable use
No unlawful purpose. No misrepresenting site content as verified professional advice. No presenting outputs as the views of any organisation. No scraping. No interfering with operation or security. No use that could damage the author's reputation or the reputation of any organisation referenced on the site.
Availability
The site may be modified, suspended, or discontinued at any time without notice.
Dispute resolution
Informal written notice first; 30-day resolution window before any formal proceedings.
Governing law
Victoria, Australia. Exclusive jurisdiction of the courts of Victoria.
Severability
Invalid clauses are severable; the remainder of the Terms stays in force.
Entire agreement
These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and the author.
Changes
May be updated; continued use of the site constitutes acceptance.
3. Disclaimer
Educational purpose only
Not a commercial product, advisory service, or decision-making tool.
No professional advice
Not financial, investment, legal, regulatory, tax, or accounting advice. Consult a qualified, licensed professional.
AI limitations
Large language models can hallucinate. Site content may be factually wrong, contradictory, misleading, outdated, or fabricated. The author does not verify every output line by line. Readers are solely responsible for verification against the cited primary source.
Data accuracy
Public data may be outdated, historical, simplified, selectively presented, or contain errors. Always consult the originals.
No endorsement or affiliation
References to organisations, products, or regulations are for educational context only.
Personal views
All views are the author's alone. They do not represent any employer, client, network, scheme, institution, regulator, or industry body.
No proprietary information
Only publicly available sources are used. No employer IP, internal analysis, client data, or trade secrets have been incorporated.
Use at your own risk
The author accepts no responsibility for any loss, damage, or consequence arising from use of, or reliance on, the site.
Regulatory context
References to regulators, regulations, and reform initiatives are based on public documents and provided as educational context only. They are not regulatory advice and may be simplified or outdated.
Forward-looking statements
Scenario observations and outlook commentary are speculative, based on assumptions, public data, and AI-assisted inference. Not predictions or guarantees. Actual outcomes may differ materially.
Project XBY · v3.0 · Last updated April 2026