Live Data

Observatory

Real-time visibility into UAE Open Finance ecosystem health

Environment
Production 26 Sandbox 78

Last updated: UTC

Weekly Ecosystem Watch Data & datasets How we calculate this See an error?
Total Participants
26 ↑ +1

Registered in the ecosystem

Live in Production
11

With authorization servers

Shariah Compliant
1

Islamic finance institutions

API Families
4

Accounts, Payments, CoP, Products

Multi-Role
25

Participants with 2+ roles

TPPs
0

Third Party Providers

DCR Support
0

Dynamic Client Registration

CIBA Support
0

Backchannel Authentication

Participant Roles

Distribution of roles across all registered participants

26 Total
  • BDSP 16 25%
  • BSIP 15 24%
  • LFI 18 29%
  • ISP 7 11%
  • API Read_Write 3 5%
  • TSP 3 5%
  • pki-test-harness 1 2%
LFI — Licensed Financial Institution (banks)
BDSP — Bank Data Service Provider
BSIP — Bank Service Infrastructure Provider
ISP — Information Service Provider
TPP — Third Party Provider (fintechs)

Geographic Distribution

Participants by emirate headquarters

  • Abu Dhabi 6 23%
  • Unknown 5 19%
  • Dubai 11 42%
  • Riyadh 1 4%
  • Fujairah 1 4%
  • London 2 8%

Company Types

Institution categories in the ecosystem

  • Other 7 27%
  • Commercial Banks 5 19%
  • Insurance 3 12%
  • Fintechs 3 12%
  • Payment Services 3 12%
  • Islamic Banks 2 8%
  • International Banks 1 4%
  • Infrastructure 1 4%
  • Digital Banks 1 4%

Ownership Structure

Government vs private sector participation

  • Private 10 38%
  • Unknown 7 27%
  • Government 6 23%
  • Public 3 12%

API Coverage

API families supported by participants

Account Information
9/26
Confirmation of Payee
9/26
Payments
9/26
Products
8/26

Authorization Capabilities

Technical capabilities supported by participants

CIBA Client Initiated Backchannel Authentication
0/26 0%
Not yet adopted by participants
DCR Dynamic Client Registration
0/26 0%
Not yet adopted by participants
Redirect OAuth Redirect Flow
0/26 0%
Not yet adopted by participants

Ecosystem Growth

+3 30d
0 7 14 21 28 07-20 08-04 08-18

Recent Milestones

2026-06-12 Union Insurance joined production
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

Registry changelog

Every join, go-live and role change in the production registry — 23 events observed by diffing daily snapshots since 2025-12-26. Dates are when a change was observed, not necessarily when it took effect.

August 2026

  1. 18 Aug Joined Dubai Insurance Company — LFI

July 2026

  1. 29 Jul Joined Emirates Insurance Company — ISP · LFI
  2. 24 Jul Joined NBF — BDSP · BSIP · LFI
  3. 03 Jul Went live ADNIC
  4. 01 Jul Went live LIVA
  5. 01 Jul Joined Salama — ISP · LFI
  6. 01 Jul New role Orient Insurance — ISP

June 2026

  1. 12 Jun Joined Union Insurance — ISP · LFI

May 2026

  1. 19 May New role ABU DHABI NATIONAL INSURANCE COMPANY PJSC — ISP

April 2026

  1. 29 Apr New role LIVA — ISP
  2. 08 Apr Joined Orient Insurance — LFI
  3. 04 Apr New APIs Mashreq — products
  4. 03 Apr Joined ABU DHABI NATIONAL INSURANCE COMPANY PJSC — BDSP · BSIP · LFI
  5. 03 Apr Joined LIVA — LFI
  6. 03 Apr New role HSBC — BDSP · BSIP
  7. 03 Apr New APIs HSBC — cop · payments · products

February 2026

  1. 26 Feb Joined Mercury — BDSP · BSIP
  2. 12 Feb New role CBD — BDSP · BSIP
  3. 05 Feb New role FAB — BDSP · BSIP
  4. 04 Feb New role ADIB — BDSP · BSIP

January 2026

  1. 09 Jan Joined Al Wathba National Insurance Co — ISP · LFI
  2. 01 Jan Left Mercury
  3. 01 Jan New role Mercury — BDSP · BSIP

Production Participants

26 of 26 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
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
Visit website
Registered
Unknown

Dubai Insurance Company

Dubai Insurance Company

Recently registered participant – profile coming soon.

Roles

LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Emirates Insurance Company

Emirates Insurance Company

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Live
Dubai

Emirates NBD

EMIRATES NBD BANK PJSC

Recently registered participant – profile coming soon.

Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
Visit website
Live
Dubai

LIVA

Liva Insurance BSC (c)

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
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
CoP
Products
Islamic Banking 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
CoP
Products
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 · TSP

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Fujairah

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
CoP
Products
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
CoP
Products
Registered
Unknown

Orient Insurance

Orient Insurance

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
Registered
Unknown

Salama

Salama

Recently registered participant – profile coming soon.

Roles

ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
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
CoP
Products
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
CoP
Products
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
CoP
Products
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.