https://rarediseases.info.nih.gov/diseases/8538/46-xy-disord... : it's possible to be XY without external male genitals, resulting in being assigned female at birth. It's also possible to be "47 XXY" https://rarediseases.info.nih.gov/diseases/11920/47-xxy , or even chimerical (different parts of the body having different genetics)