Directory Snapshot

Observatory

Directory registrations and published API metadata

Environment
Production 27 Sandbox 79

Last updated: UTC

Weekly Ecosystem Watch Data & datasets How we calculate this See an error?

Each registration is a directory ID, not a deduplicated legal entity. An active authorization server with an issuer is published metadata, not evidence of traffic or verified availability. Capability and Shariah indicators reflect source declarations. Definitions and limitations.

Registrations
27 → 0

Production directory IDs

Registrations With Issuer
12

Registrations with an active issuer

Directory Shariah Flag
1

Flag declared true in source

API Families
6

Published active resource families

Multi-Role
25

Participants with 2+ roles

TPP Population
N/A

Role claims do not classify licences

Declared DCR
0

Dynamic Client Registration

Declared CIBA
0

Backchannel Authentication

Participant Roles

Distribution of roles across all registered participants

27 Total
  • BDSP 16 25%
  • BSIP 15 23%
  • LFI 19 29%
  • ISP 7 11%
  • API Read_Write 3 5%
  • Cert_Management 1 2%
  • TSP 3 5%
  • pki-test-harness 1 2%
LFI — Licensed Financial Institution (banks)
BDSP — Bank Data Sharing Provider
BSIP — Bank Service Initiation Provider
ISP — Insurance Service Provider
TPP — Third Party Provider

Geographic Distribution

Participants by emirate headquarters

  • Abu Dhabi 6 22%
  • Unknown 5 19%
  • Dubai 13 48%
  • Riyadh 1 4%
  • London 2 7%

Company Types

Institution categories in the ecosystem

  • Other 7 26%
  • Commercial Banks 5 19%
  • Insurance 3 11%
  • Fintechs 3 11%
  • Payment Services 3 11%
  • Islamic Banks 2 7%
  • International Banks 2 7%
  • Infrastructure 1 4%
  • Digital Banks 1 4%

Ownership Structure

Government vs private sector participation

  • Private 11 41%
  • Unknown 7 26%
  • Government 6 22%
  • Public 3 11%

API Coverage

Active API families published by registrations

Accounts
10/27
ATM
2/27
Confirmation of Payee
9/27
Insurance
2/27
Payments
9/27
Products
8/27

Declared Authorization Capabilities

Directory flags declared true. Unmarked capabilities have not been tested.

CIBA Client Initiated Backchannel Authentication
0/27 0%
Not declared true in the directory
DCR Dynamic Client Registration
0/27 0%
Not declared true in the directory
Redirect OAuth Redirect Flow
0/27 0%
Not declared true in the directory

Ecosystem Growth

+1 30d
0 7 14 21 28 09-19 10-04 10-18

Recent Milestones

2026-07-01 Salama joined production
2026-07-24 NBF joined production
2026-07-29 Emirates Insurance Company joined production
2026-08-18 Dubai Insurance Company joined production
2026-10-02 Standard Chartered joined production

Registry changelog

Every registration, authorization-server and role change in the production registry — 65 events observed by diffing daily snapshots since 2025-12-26. Dates are when a change was observed, not necessarily when it took effect. The 8 October 2026 collector update expanded family coverage; those additions can reflect a measurement correction rather than a new deployment.

October 2026

  1. Role first observed Mercury

    Cert_Management

  2. Family first observed Emirates NBD

    atm

  3. Resource declarations changed Emirates NBD
    ATM v2.1 added.
  4. Family first observed ADNIC

    insurance

  5. Family first observed HSBC

    atm

  6. Family first observed LIVA

    insurance

  7. Resource declarations changed ADNIC
    Insurance v2.1 added.
  8. Resource declarations changed HSBC
    ATM v2.1 added.
  9. Resource declarations changed LIVA
    Insurance v2.1 added.
  10. Registration first observed Standard Chartered

    LFI

September 2026

  1. Resource declarations changed NBF
    Accounts v2.1 updated.

August 2026

  1. Auth server published NBF
  2. Family first observed NBF

    accounts

  3. Resource declarations changed NBF
    Accounts v2.1 added.
  4. Registration first observed Dubai Insurance Company

    LFI

  5. Resource declarations changed DIB
    4 declarations changed: 4 added.
  6. Resource declarations changed FAB
    8 declarations changed: 4 added · 4 removed.

July 2026

  1. Registration first observed Emirates Insurance Company

    ISP · LFI

  2. Resource declarations changed CBD
    4 declarations changed: 4 removed.
  3. Registration first observed NBF

    BDSP · BSIP · LFI

  4. Resource declarations changed ADCB
    2 declarations changed: 1 added · 1 removed.
  5. Resource declarations changed ADCB
    2 declarations changed: 1 added · 1 removed.
  6. Resource declarations changed ADCB
    8 declarations changed: 4 added · 4 removed.
  7. Auth server published ADNIC
  8. Auth server published LIVA
  9. Registration first observed Salama

    ISP · LFI

  10. Role first observed Orient Insurance

    ISP

  11. Resource declarations changed WIO Bank
    8 declarations changed: 4 added · 4 removed.

June 2026

  1. Registration first observed Union Insurance

    ISP · LFI

  2. Resource declarations changed HSBC
    8 declarations changed: 4 added · 4 removed.
  3. Resource declarations changed Mashreq
    8 declarations changed: 4 added · 4 removed.

May 2026

  1. Resource declarations changed CBD
    12 declarations changed: 8 added · 4 removed.
  2. Role first observed ABU DHABI NATIONAL INSURANCE COMPANY PJSC

    ISP

April 2026

  1. Resource declarations changed HSBC
    Payments v2.0 added.
  2. Role first observed LIVA

    ISP

  3. Role no longer observed WIO Bank

    ISP

  4. Resource declarations changed HSBC
    Accounts v2.0 added.
  5. Resource declarations changed Emirates NBD
    4 declarations changed: 4 added.
  6. Role no longer observed ABU DHABI NATIONAL INSURANCE COMPANY PJSC

    BDSP · BSIP

  7. Role no longer observed DIB

    ISP

  8. Registration first observed Orient Insurance

    LFI

  9. Family first observed Mashreq

    products

  10. Resource declarations changed Mashreq
    Products v1.2 added.
  11. Registration first observed ABU DHABI NATIONAL INSURANCE COMPANY PJSC

    BDSP · BSIP · LFI

  12. Registration first observed LIVA

    LFI

  13. Role first observed HSBC

    BDSP · BSIP

  14. Family first observed HSBC

    cop · payments · products

  15. Resource declarations changed EMIRATES NBD
    8 declarations changed: 4 added · 4 removed.
  16. Resource declarations changed HSBC
    5 declarations changed: 4 added · 1 removed.
  17. Resource declarations changed WIO Bank
    4 declarations changed: 4 removed.

March 2026

  1. Resource declarations changed ADCB
    3 declarations changed: 3 removed.

February 2026

  1. Registration first observed Mercury

    BDSP · BSIP

  2. Role no longer observed Mercury

    BDSP · BSIP

  3. Resource declarations changed WIO Bank
    4 declarations changed: 4 added.
  4. Resource declarations changed ADCB
    2 declarations changed: 2 added.
  5. Role first observed CBD

    BDSP · BSIP

  6. Role first observed FAB

    BDSP · BSIP

  7. Resource declarations changed FAB
    4 declarations changed: 1 added · 3 removed.
  8. Role first observed ADIB

    BDSP · BSIP

January 2026

  1. Resource declarations changed FAB
    3 declarations changed: 3 added.
  2. Resource declarations changed HSBC
    Accounts v1.2 removed.
  3. Registration first observed Al Wathba National Insurance Co

    ISP · LFI

  4. Role no longer observed ADIB

    BDSP · BSIP

  5. Registration no longer observed Mercury
  6. Role first observed Mercury

    BDSP · BSIP

Production Participants

27 of 27 registered institutions

Commercial Bank
Abu Dhabi

ADCB

Abu Dhabi Commercial Bank PBJC

Leading UAE bank offering comprehensive banking services to retail and corporate clients.

Read more →
3rd largest bank in UAE by assets
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Islamic Bank
Abu Dhabi

ADIB

Abu Dhabi Islamic Bank P.J.S.C

One of the world's largest Islamic banks, offering Shariah-compliant banking solutions.

Read more →
3rd largest Islamic bank globally
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Directory Shariah flag Visit website
Insurance
Abu Dhabi

ADNIC

ABU DHABI NATIONAL INSURANCE COMPANY PJSC

Leading insurance company in the UAE providing comprehensive insurance solutions.

Read more →
Leading insurance company in UAE
Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Registered
Unknown

Al Wathba National Insurance Co

Al Wathba National Insurance Co

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Commercial Bank
Dubai

CBD

COMMERCIAL BANK OF DUBAI

One of UAE's oldest banks, providing innovative banking solutions since 1969.

Read more →
Mid-tier UAE bank
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Islamic Bank
Dubai

DIB

Dubai Islamic Bank P.J.S.C

The world's first full-service Islamic bank, pioneering Shariah-compliant banking since 1975.

Read more →
World's first Islamic bank, largest Islamic bank in UAE
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Registered
Unknown

Dubai Insurance Company

Dubai Insurance Company

Recently registered participant – profile coming soon.

Roles

LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Registered
Unknown

Emirates Insurance Company

Emirates Insurance Company

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Auth server published
Dubai

Emirates NBD

EMIRATES NBD BANK PJSC

Recently registered participant – profile coming soon.

Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Commercial Bank
Abu Dhabi

FAB

First Abu Dhabi Islamic Finance PJSC

UAE's largest bank by total assets, created through the merger of NBAD and FGB in 2017.

Read more →
Largest bank in UAE and Middle East by total assets
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
🇬🇧 International Bank
Dubai

HSBC

HSBC Bank Middle East Limited

Regional subsidiary of HSBC Holdings, one of the world's largest banking groups, serving the Middle East since 1946.

Read more →
HQ: London, UK
Leading international bank in the Middle East
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Open Banking
Riyadh

Lean Technologies

Lean Technologies Ltd

Open banking infrastructure provider enabling account connectivity across MENA.

Read more →
Leading open banking provider in Saudi Arabia
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Auth server published
Dubai

LIVA

Liva Insurance BSC (c)

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Commercial Bank
Dubai

Mashreq

MASHREQ BANK PSC

UAE's oldest privately-owned bank, known for innovation and digital banking leadership.

Read more →
Oldest private bank in UAE, digital banking pioneer
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Payment Services
Dubai

Mercury

Mercury Payments Services LLC

UAE-based payments technology company providing payment processing solutions.

Read more →
Emerging payment service provider
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Payment Services
Dubai

Mercury

Mercury Payments Services LLC

UAE-based payments technology company providing payment processing solutions.

Read more →
Emerging payment service provider
Roles

API Read_Write · Cert_Management · TSP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Commercial Bank
Dubai

NBF

National Bank of Fujairah PJSC

Leading bank in Fujairah emirate providing comprehensive banking services.

Read more →
Leading bank in Fujairah
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Registered
Unknown

NymCard Payment Services L.L.C.

NymCard Payment Services L.L.C.

Recently registered participant – profile coming soon.

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Registered
Unknown

Orient Insurance

Orient Insurance

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Open Banking Tech
London

Ozone API

Ozone API

UK fintech providing open banking infrastructure and API solutions to financial institutions worldwide.

Read more →
Leading open banking platform provider
Roles

API Read_Write · BDSP · TSP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Registered
Unknown

PAY TEN PAYMENT SERVICES PROVIDER LLC

PAY TEN PAYMENT SERVICES PROVIDER LLC

Recently registered participant – profile coming soon.

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Registered
Unknown

Raidiam Services Limited

Raidiam Services Limited

Recently registered participant – profile coming soon.

Roles

API Read_Write · TSP · pki-test-harness

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Registered
Unknown

Salama

Salama

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Registered
Unknown

Spare Digital Technologies LLC S.O.C

Spare Digital Technologies LLC S.O.C

Recently registered participant – profile coming soon.

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
🇬🇧 International Bank
Dubai

Standard Chartered

Standard Chartered Bank

Leading international bank with strong presence in Asia, Africa and the Middle East.

Read more →
HQ: London, UK
Top international bank in emerging markets
Roles

LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Insurance
Abu Dhabi

Union Insurance

Union Insurance

UAE insurance company providing comprehensive insurance solutions.

Read more →
Growing insurance provider
Roles

ISP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website
Digital Bank
Abu Dhabi

WIO Bank

WIO Bank

UAE's first platform bank, offering digital-first banking and embedded finance solutions.

Read more →
UAE's first platform bank, BaaS provider
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
Confirmation of Payee
Products
Insurance
ATM
Visit website

Data Source & Methodology

This dashboard displays data derived from the public UAE Open Finance Trust Framework Directory . Data is collected daily at 06:00 UTC via automated scripts from both production and sandbox environments.

This is not official statistics. For authoritative information, please refer to the Al Tareq portal or the CBUAE .