The term 'prefix with -phyte' can refer to two different crossword solutions: Neo (3 letters) and Xero (4 letters). Neo is a prefix derived from the Greek word neos, meaning 'NEW, ' while Xero is a prefix derived from the Greek word xeros, meaning 'DRY.' Both of these prefixes are often used in combination with the suffix -phyte, which refers to an organism that lives on or in the soil. Therefore, Neo-phyte and Xero-phyte refer to organisms that live in NEW or DRY soil, respectively.