NetOxygen provides an n-tier framework in which the core functionality of the system - the "smart data" layer - resides on the application server between the user interface and the database. NetOxygen separates the business logic and complex processing that reside in the smart data layer from the user interface, which can be accessed easily with a web browser.

NetOxygen's architecture uses an SOA-based approach to expose the business logic and components as web services. The architecture also enables easy integration with third-party data sources and other enterprise applications through XML interfaces. Lenders can leverage the core functionality of NetOxygen, while seamlessly leveraging customizations through the configuration tools. NetOxygen Studio, for example, is a robust configuration and screen design tool that allows business analysts and programmers alike to create custom screens and bind them to database fields, create custom tables and columns, set up field defaults and field list box options, assign business rules, and much more.