Open Finance Data Sandbox

Overview

The Open Finance Data Sandbox is a zero-setup, browser-based explorer that shows what UAE Open Finance payloads actually look like — Bank Data Sharing, Insurance Data Sharing across all seven lines, and the ATM Locator directory. Every response is generated from a deterministic seeded PRNG and validated against the vendored OpenAPI specification, so what you see in the sandbox is what your integration will need to handle in production.

Key Capabilities

• 38 synthetic UAE personas — 21 banking-only (retail, SME, and corporate archetypes from salaried expats and gig workers to free-zone SaaS startups and corporate treasury), 9 insurance-only (covering motor, home, health, life, travel, renters, and employment), and 8 multi-domain personas that emit both banking and insurance payloads. The banking view renders 29 personas; the insurance view renders 17. A 39th manifest, the ATM directory, emits a public directory of LFI-operated cash machines rather than customer data.
• All 12 v2.1 Account Information endpoints for banking, 30 Insurance Data Sharing endpoints (GA across all 7 lines — 4 endpoints each plus 2 Insurance Consents endpoints), and the ATM Locator GET /atms directory — all generated and validated against the v2.1 OpenAPI schema, with 1,500+ spec-validation tests across the persona × LFI × endpoint matrix.
• Multi-LFI and multi-insurer footprints — SME and retail personas whose realistic footprint spans up to four banks (salary primary, everyday card, digital sidekick, mortgage lender) and up to three insurance carriers, with role-keyed bundles and mod-97-valid IBANs. Total debt service is only legible through Open Finance aggregation across all banks — exactly the picture a TPP consent flow has to assemble.
• Three LFI populate-rate profiles — Rich, Median, and Sparse — for testing how your application behaves against varying data completeness from different banks.
• LFI comparison view showing the same persona’s data side-by-side across populate-rate profiles, with cell-level diff highlighting.
• Underwriting scenario panel with illustrative financial calculations: implied monthly net income, frequency-normalised fixed commitments, implied DBR, and NSF/distress counts.
• Full-spec search (⌘K) and an interactive 5-step walkthrough for first-time visitors.
• Export as JSON, CSV, or tarball — drop fixtures straight into your test suite — plus pinnable fixture packages on npm (@openfinance-os/sandbox-fixtures) and PyPI (openfinance-os-sandbox-fixtures).
• Embed mode for use in presentations, documentation, or workshops.

MCP Server

The sandbox ships an MCP server, @openfinance-os/sandbox-mcp, that exposes the whole corpus as tools, resources, and prompts — so an AI agent can act as a personal-finance assistant over a synthetic customer and answer balance, spend, obligation, and coverage questions from deterministic v2.1 JSON. Pick a curated persona, or compose a custom one with the persona builder.

• Hosted (no install): add https://data-sandbox.fly.dev/mcp as a custom connector in Claude.ai — anonymous, no auth, no API key.
• Local: npx -y @openfinance-os/sandbox-mcp (stdio transport for Claude Desktop / Claude Code).

TPP Integration

If you are wiring sandbox personas into a TPP demo journey, the integration guide walks through four plug points: iframe embed, npm loadJourney(), PyPI load_journey(), and raw HTTPS fixtures at /fixtures/v1/.

Tech Stack

Vanilla HTML, CSS, and JavaScript ES modules — no build chain required. The OpenAPI spec is vendored from upstream and pinned by commit SHA; every status badge and mandatory/optional flag flows from the spec, never hand-authored. Coverage is enforced by Vitest (unit), Playwright (end-to-end + accessibility), and Lighthouse-CI (performance). Anonymous analytics via PostHog.

Who It’s For

TPPs and fintechs

Design consent flows, dashboards, and analytics against representative data — including multi-bank, multi-carrier customers — before requesting sandbox credentials.

Banks and LFIs

See how your populate-rate decisions affect the TPP experience, and use the comparison view to inform implementation choices.

Insurers and insurtechs

Explore Insurance Data Sharing payload shapes across all seven lines — policies, policy detail, payment details, and quotes — without onboarding to a sandbox first.

Independent developers

Get hands-on with Open Finance payload shapes and edge cases, or wire the MCP server into an AI agent and query a synthetic customer conversationally.

Try It Now

Open data-sandbox.openfinance-os.org — no registration, no credentials, no install.

Source & License

The sandbox is open source on GitHub. Code is MIT-licensed; synthetic data and fixtures are released under CC0 (public domain). The vendored OpenAPI specification inherits its upstream license. Contributions and issue reports are welcome.