Frequently Asked Questions

UAE Open Finance is supervised by the Central Bank of the UAE (CBUAE). It enables customers to authorize financial data sharing and payment initiation through participating providers. Banking and insurance services are mediated by a central API Hub.

Participants include Licensed Financial Institutions (LFIs), such as banks and insurers, and authorized Third Party Providers (TPPs). Technology providers can support integrations. Directory roles such as BDSP (Bank Data Sharing Provider), BSIP (Bank Service Initiation Provider), and ISP (Insurance Service Provider) describe permissions rather than a TPP licence category. Eligibility depends on the intended service and current requirements.

Start with the official Open Finance documentation and the onboarding guidance for your organization and intended services. Organization onboarding, Trust Framework access, application registration and certification are separate steps. The Confluence space at openfinanceuae.atlassian.net is a documentation site; creating an account there does not register a participant. Use the verified onboarding instructions to obtain the appropriate directory access.

Al Tareq is the UAE Open Finance brand. Nebras operates the central infrastructure, including the API Hub, under CBUAE oversight. The brand, operator and regulator have different responsibilities.

A TPP calls the API Hub, which routes the request to the financial institution and returns its response. The Hub owns consent state, acts as the OIDC/FAPI authorization server and issues access tokens. The customer authenticates with the institution, whose backend integrates through Ozone Connect. Directory issuer metadata describes a published authorization server; it does not prove a successful integration or live usage.

No. OpenFinance-OS is an independent community initiative. We are not affiliated with CBUAE, Al Tareq, Nebras, or any bank. We aggregate public observations and community resources. Our learning pages label official documentation and community technical references separately.

We welcome contributions! You can submit content (news articles, Commons resources), contribute code improvements, or provide feedback through our GitHub repository. Visit our Community page to learn more about how to get involved.

For community discussions, visit our GitHub Discussions. For official technical questions, use the Al Tareq support channels. For regulatory questions, contact CBUAE directly.