This invention provides aryl and heteroaryl compounds of formula (X). The compounds of the invention may be useful as antagonists, or partial antagonist of factor IX and / or factor XI and thus, may be used to inhibit the intrinsic pathway of blood coagulation. Formula (X) wherein R102 is selected from the group consisting of —C(O)OH, —C(O)OCH3, —C(O)O-t-butyl, —C(O)NH—OCH2-phenyl, C(O)NHOH, and —C(O)NHSO2CH3; and wherein R101, R103, R104 and Y are as defined herein.