{
  "dataset": "uae-open-finance-sandbox-registry-changelog",
  "environment": "sandbox",
  "source": "https://data.sandbox.directory.openfinance.ae",
  "trackingSince": "2025-12-26",
  "definitions": {
    "totalParticipants": "Distinct directory registration IDs after test/support and unnamed entries are excluded; not deduplicated legal entities.",
    "hasAuthServer": "At least one active authorization server with a nonempty issuer is published in the directory; availability and traffic are not tested.",
    "isLive": "Legacy alias of hasAuthServer; does not mean verified live service or observed traffic.",
    "liveInProduction": "Legacy summary field counting registrations with hasAuthServer, within the snapshot environment.",
    "shariahCompliantCount": "Registrations whose source shariah_compliant flag includes True; not a count of all Islamic finance institutions.",
    "tppCount": "Legacy count of explicit TPP role claims; not a population estimate or licence classification. TPP population is unavailable from these claims.",
    "apiFamilies": "Distinct active API-resource family identifiers on active authorization servers. Version 2.1 preserves insurance, ATM and unknown identifiers previously omitted.",
    "authCapabilities": "Directory flags aggregated across active authorization servers. False means not declared true, not a tested absence of support.",
    "history": "Historical observations retain their original schema and collection coverage; collector changes can create apparent changes in coverage."
  },
  "count": 84,
  "events": [
    {
      "date": "2026-10-15",
      "type": "api_family_added",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "Emirates NBD",
      "detail": "atm"
    },
    {
      "date": "2026-10-15",
      "type": "resource_changed",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "Emirates NBD",
      "detail": "Before: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true. After: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | atm v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "f18cef1c-2ea2-4501-a1e5-db2e911689f8",
      "name": "EIC",
      "detail": "insurance"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "8a37e74c-2827-496c-abf6-985bf177b5ea",
      "name": "FAB",
      "detail": "account"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "db16163c-efb3-4ec2-aa3d-a3d4f466814e",
      "name": "HSBC",
      "detail": "account"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "94884086-b7c2-43a0-b4e7-a928b9fed0ac",
      "name": "Mercury",
      "detail": "account · insurance"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "233bcd1d-4216-4b3c-a362-9e4a9282bba7",
      "name": "Ozone API",
      "detail": "account"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "f2a91ec1-83bc-4048-838d-6e307d3a29be",
      "name": "Raidiam",
      "detail": "account · atm · insurance · onboarding · reporting"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "16c610ed-9e4a-407d-90d0-64149ba96b45",
      "name": "Standard Chartered",
      "detail": "account"
    },
    {
      "date": "2026-10-08",
      "type": "api_family_added",
      "participantId": "a41e437b-306a-4763-a42b-c4de302eee0b",
      "name": "Sukoon Insurance",
      "detail": "insurance"
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "f18cef1c-2ea2-4501-a1e5-db2e911689f8",
      "name": "EIC",
      "detail": "Before: none recorded. After: insurance v2.1; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "8a37e74c-2827-496c-abf6-985bf177b5ea",
      "name": "FAB",
      "detail": "Before: payments v1.2.0; certification=Self-Certified; complete=true. After: account v1.2.0; certification=Self-Certified; complete=true | payments v1.2.0; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "db16163c-efb3-4ec2-aa3d-a3d4f466814e",
      "name": "HSBC",
      "detail": "Before: cop v1.2.0; certification=Self-Certified; complete=false | payments v2.0; certification=Self-Certified; complete=false. After: account v1.2.0; certification=Self-Certified; complete=false | account v1.2.0; certification=Self-Certified; complete=true | cop v1.2.0; certification=Self-Certified; complete=false | payments v2.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "94884086-b7c2-43a0-b4e7-a928b9fed0ac",
      "name": "Mercury",
      "detail": "Before: payments v1.0.0; certification=Self-Certified; complete=false | products v1.0.0; certification=Self-Certified; complete=true. After: account v1.0.0; certification=Self-Certified; complete=false | insurance v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | products v1.0.0; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "233bcd1d-4216-4b3c-a362-9e4a9282bba7",
      "name": "Ozone API",
      "detail": "Before: accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true. After: account v1.0.0; certification=Self-Certified; complete=false | account v1.0.0; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "f2a91ec1-83bc-4048-838d-6e307d3a29be",
      "name": "Raidiam",
      "detail": "Before: accounts v2.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | products v1.0.0; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=false. After: account v1.0.0; certification=Self-Certified; complete=true | accounts v2.0.0; certification=Self-Certified; complete=true | atm v2.0.0; certification=Self-Certified; complete=true | atm v2.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=false | insurance v1.0.0; certification=Self-Certified; complete=true | insurance v1.0.0; certification=Self-Certified; complete=true | insurance v2.0.0; certification=Self-Certified; complete=true | onboarding v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | products v1.0.0; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=false | reporting v1.0.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "16c610ed-9e4a-407d-90d0-64149ba96b45",
      "name": "Standard Chartered",
      "detail": "Before: none recorded. After: account v2.0.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-10-08",
      "type": "resource_changed",
      "participantId": "a41e437b-306a-4763-a42b-c4de302eee0b",
      "name": "Sukoon Insurance",
      "detail": "Before: none recorded. After: insurance v2.1; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-09-22",
      "type": "resource_changed",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "Before: accounts v1.2; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v1.2; certification=Self-Certified; complete=false. After: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-08-25",
      "type": "joined",
      "participantId": "a9d14b51-08f0-4a5a-8603-e284670e0015",
      "name": "Al Ahli Bank of Kuwait K.S.C.P",
      "detail": "BDSP · BSIP · LFI"
    },
    {
      "date": "2026-08-13",
      "type": "joined",
      "participantId": "854f1680-ab8e-46f4-be6c-70461dbc38ba",
      "name": "Bank Mal Al Mahali Al Islami - L.L.C - S.P.C",
      "detail": "BDSP · BSIP"
    },
    {
      "date": "2026-07-10",
      "type": "went_live",
      "participantId": "9b16b09b-fde8-4a15-89d0-b376e8a55ef7",
      "name": "AL Hilal Bank"
    },
    {
      "date": "2026-07-10",
      "type": "api_family_added",
      "participantId": "9b16b09b-fde8-4a15-89d0-b376e8a55ef7",
      "name": "AL Hilal Bank",
      "detail": "accounts · products"
    },
    {
      "date": "2026-07-10",
      "type": "resource_changed",
      "participantId": "9b16b09b-fde8-4a15-89d0-b376e8a55ef7",
      "name": "AL Hilal Bank",
      "detail": "Before: none recorded. After: accounts v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-07-01",
      "type": "resource_changed",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "Emirates NBD",
      "detail": "Before: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true. After: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-07-01",
      "type": "resource_changed",
      "participantId": "d86e6704-e92b-4368-a425-5a7ba230e986",
      "name": "WIO Bank",
      "detail": "Before: accounts v1.2; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v1.2; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v1.2; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true. After: accounts v1.2; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v1.2; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v1.2; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-06-11",
      "type": "joined",
      "participantId": "5b10d9f1-d356-46cd-8bea-346bcca80722",
      "name": "BANQUE BANORIENT FRANCE",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-06-11",
      "type": "joined",
      "participantId": "7bcf7684-2ec6-441e-8eb2-247fea8a951a",
      "name": "Numi Technologies Ltd",
      "detail": "BDSP · BSIP"
    },
    {
      "date": "2026-06-09",
      "type": "resource_changed",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "Before: accounts v1.2; certification=Self-Certified; complete=false | payments v1.2; certification=Self-Certified; complete=false | products v1.2; certification=Self-Certified; complete=false. After: accounts v1.2; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v1.2; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-06-06",
      "type": "resource_changed",
      "participantId": "d86e6704-e92b-4368-a425-5a7ba230e986",
      "name": "WIO Bank",
      "detail": "Before: accounts v1.2; certification=Self-Certified; complete=true | accounts v2.0; certification=Self-Certified; complete=true | cop v1.2; certification=Self-Certified; complete=true | cop v2.0; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=true | payments v2.0; certification=Self-Certified; complete=true | products v1.2; certification=Self-Certified; complete=true | products v2.0; certification=Self-Certified; complete=true. After: accounts v1.2; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v1.2; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v1.2; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-05-26",
      "type": "resource_changed",
      "participantId": "2f9981d9-47e6-4cd5-ba04-d6bdadf52591",
      "name": "CBD",
      "detail": "Before: accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true. After: accounts v2.1; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-05-21",
      "type": "left",
      "participantId": "239cb7d5-4dcb-4348-9964-d8872faadc1c",
      "name": "Arab Bank PLC"
    },
    {
      "date": "2026-05-21",
      "type": "left",
      "participantId": "29536048-fef2-423e-83c2-b333869677cc",
      "name": "Sharjah Islamic Bank"
    },
    {
      "date": "2026-05-21",
      "type": "api_family_added",
      "participantId": "233bcd1d-4216-4b3c-a362-9e4a9282bba7",
      "name": "Ozone API",
      "detail": "products"
    },
    {
      "date": "2026-05-21",
      "type": "resource_changed",
      "participantId": "233bcd1d-4216-4b3c-a362-9e4a9282bba7",
      "name": "Ozone API",
      "detail": "Before: accounts v1.2.0; certification=Self-Certified; complete=true | cop v1.2.0; certification=Self-Certified; complete=true | payments v1.2.0; certification=Self-Certified; complete=true. After: accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-05-14",
      "type": "joined",
      "participantId": "4bdd53d6-b93c-4a2d-aedb-ef04aa6a8281",
      "name": "Protego Insurance Brokers LLC",
      "detail": "ISP"
    },
    {
      "date": "2026-05-05",
      "type": "went_live",
      "participantId": "37f353bf-0f2a-48f2-8c5a-10b40b7bc7b3",
      "name": "Emirates Islamic"
    },
    {
      "date": "2026-05-05",
      "type": "api_family_added",
      "participantId": "37f353bf-0f2a-48f2-8c5a-10b40b7bc7b3",
      "name": "Emirates Islamic",
      "detail": "accounts · cop · payments · products"
    },
    {
      "date": "2026-05-05",
      "type": "resource_changed",
      "participantId": "37f353bf-0f2a-48f2-8c5a-10b40b7bc7b3",
      "name": "Emirates Islamic",
      "detail": "Before: none recorded. After: accounts v2.1; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-04-11",
      "type": "api_family_added",
      "participantId": "2f9981d9-47e6-4cd5-ba04-d6bdadf52591",
      "name": "CBD",
      "detail": "accounts · cop · products"
    },
    {
      "date": "2026-04-11",
      "type": "resource_changed",
      "participantId": "2f9981d9-47e6-4cd5-ba04-d6bdadf52591",
      "name": "CBD",
      "detail": "Before: payments v1.2.0; certification=Self-Certified; complete=false | payments v1.2; certification=Self-Certified; complete=false. After: accounts v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-03-27",
      "type": "went_live",
      "participantId": "a41e437b-306a-4763-a42b-c4de302eee0b",
      "name": "Sukoon Insurance"
    },
    {
      "date": "2026-03-27",
      "type": "api_family_added",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "EMIRATES NBD",
      "detail": "products"
    },
    {
      "date": "2026-03-27",
      "type": "role_removed",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "EMIRATES NBD",
      "detail": "ISP"
    },
    {
      "date": "2026-03-27",
      "type": "resource_changed",
      "participantId": "64e5061d-437f-43c8-9f17-1df9a4600705",
      "name": "EMIRATES NBD",
      "detail": "Before: accounts v1.2.0; certification=Self-Certified; complete=false | accounts v1.2.0; certification=Self-Certified; complete=false | cop v1.2.0; certification=Self-Certified; complete=true | payments v1.2.0; certification=Self-Certified; complete=false | payments v1.2.0; certification=Self-Certified; complete=false. After: accounts v2.1; certification=Self-Certified; complete=false | accounts v2.1; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=true | cop v2.1; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | payments v2.1; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=true | products v2.1; certification=Self-Certified; complete=true."
    },
    {
      "date": "2026-03-27",
      "type": "resource_changed",
      "participantId": "f2a91ec1-83bc-4048-838d-6e307d3a29be",
      "name": "Raidiam",
      "detail": "Before: accounts v2.0.0; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | products v1.0.0; certification=Self-Certified; complete=false. After: accounts v2.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | cop v2.1; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | payments v2.1; certification=Self-Certified; complete=false | products v1.0.0; certification=Self-Certified; complete=false | products v2.1; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-03-04",
      "type": "left",
      "participantId": "Mercury",
      "name": "Organisation Mercury"
    },
    {
      "date": "2026-03-03",
      "type": "joined",
      "participantId": "Mercury",
      "name": "Organisation Mercury",
      "detail": "API Read_Write · BDSP · BSIP · ISP · LFI · TSP"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "3ae85b57-7a70-4be2-84fe-97fbb4d8ec45",
      "name": "Al Fardan Exchange",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "341a8d2e-ccc9-4512-acb3-8497c13c9b6c",
      "name": "Al Fujairah Insurance",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "e7d13870-5780-4df3-8865-7534a513b4d3",
      "name": "Dubai National Insurance",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "6207c397-4021-4381-a83a-1a37c657abf9",
      "name": "e& money",
      "detail": "BDSP · BSIP"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "37f353bf-0f2a-48f2-8c5a-10b40b7bc7b3",
      "name": "EIB",
      "detail": "BDSP · BSIP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "60599f81-3502-4ff9-8eba-a6ad975ed9ac",
      "name": "Habib Bank AG Zurich",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "8bb52664-8391-4a20-8eb0-2deb0c782cf3",
      "name": "InsuranceMarket.ae",
      "detail": "ISP"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "9e02bfe5-afa5-45a9-a6fd-680452a07f98",
      "name": "InvestBank",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "c683c060-5649-4df7-9b9a-c845cbf13719",
      "name": "LIC",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "879f9b11-5905-41ae-9dbe-7cb151b16546",
      "name": "LIVA",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "a6bcdeac-5f93-40da-ad06-f7fb7a953058",
      "name": "Lulu Exchange",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "9bfa48bf-647e-4082-a6c2-25291e15c98c",
      "name": "OpenID Foundation",
      "detail": "BDSP · BSIP · ISP"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "f4649205-7273-4b7f-8d55-5ad95674a5f9",
      "name": "Orient Insurance",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "1e74e695-42a4-4591-b4b2-13b0c893cf35",
      "name": "Policybazaar",
      "detail": "ISP"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "521e38cb-a400-4114-9591-40d282d608fe",
      "name": "RAKBank",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "221bfab7-d564-4083-a9f5-277468aece4c",
      "name": "Salama",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "6bed8f06-6ae1-44e5-9059-ab0b9e91ff30",
      "name": "Saudi Arabian Insurance",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "8e924742-96c7-45c3-961f-09a80ce1d991",
      "name": "SNB",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "1ee6f5b6-2fa4-48fd-bffa-d8771186c564",
      "name": "United Arab Bank",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-02-26",
      "type": "joined",
      "participantId": "4c52000d-3db6-44db-8be3-8418cae0e2f1",
      "name": "Ziina",
      "detail": "BDSP · BSIP · ISP"
    },
    {
      "date": "2026-02-26",
      "type": "left",
      "participantId": "Mercury",
      "name": "Nebras (Registered Name)"
    },
    {
      "date": "2026-02-20",
      "type": "joined",
      "participantId": "Mercury",
      "name": "Nebras (Registered Name)",
      "detail": "API Read_Write · BDSP · BSIP · ISP · LFI · TSP"
    },
    {
      "date": "2026-02-18",
      "type": "api_family_added",
      "participantId": "1b4f7317-8b67-4179-bdfb-8054f74c25d0",
      "name": "ADIB",
      "detail": "payments"
    },
    {
      "date": "2026-02-18",
      "type": "resource_changed",
      "participantId": "1b4f7317-8b67-4179-bdfb-8054f74c25d0",
      "name": "ADIB",
      "detail": "Before: none recorded. After: payments v2.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-02-17",
      "type": "api_family_added",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "products"
    },
    {
      "date": "2026-02-17",
      "type": "resource_changed",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "Before: accounts v1.2; certification=Self-Certified; complete=false | payments v1.2.0; certification=Self-Certified; complete=false. After: accounts v1.2; certification=Self-Certified; complete=false | payments v1.2; certification=Self-Certified; complete=false | products v1.2; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-02-13",
      "type": "resource_changed",
      "participantId": "f2a91ec1-83bc-4048-838d-6e307d3a29be",
      "name": "Raidiam",
      "detail": "Before: accounts v2.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | products v1.0.0; certification=Self-Certified; complete=false. After: accounts v2.0.0; certification=Self-Certified; complete=true | accounts v2.1; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=false | cop v1.0.0; certification=Self-Certified; complete=true | cop v1.0.0; certification=Self-Certified; complete=true | cop v2.0.0; certification=Self-Certified; complete=false | cop v2.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=false | payments v1.0.0; certification=Self-Certified; complete=true | payments v1.0.0; certification=Self-Certified; complete=true | payments v2.0.0; certification=Self-Certified; complete=true | products v1.0.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-02-05",
      "type": "api_family_added",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "accounts"
    },
    {
      "date": "2026-02-05",
      "type": "resource_changed",
      "participantId": "db16163c-efb3-4ec2-aa3d-a3d4f466814e",
      "name": "HSBC",
      "detail": "Before: cop v1.2.0; certification=Self-Certified; complete=false | payments v1.2.0; certification=Self-Certified; complete=false. After: cop v1.2.0; certification=Self-Certified; complete=false | payments v2.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-02-05",
      "type": "resource_changed",
      "participantId": "4767786f-ab28-4d5c-8fdb-0f27e1c4eb9c",
      "name": "Mashreq",
      "detail": "Before: payments v1.2.0; certification=Self-Certified; complete=false. After: accounts v1.2; certification=Self-Certified; complete=false | payments v1.2.0; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-01-31",
      "type": "api_family_added",
      "participantId": "239cb7d5-4dcb-4348-9964-d8872faadc1c",
      "name": "Arab Bank PLC",
      "detail": "accounts"
    },
    {
      "date": "2026-01-31",
      "type": "resource_changed",
      "participantId": "239cb7d5-4dcb-4348-9964-d8872faadc1c",
      "name": "Arab Bank PLC",
      "detail": "Before: none recorded. After: accounts v1.2; certification=Self-Certified; complete=false."
    },
    {
      "date": "2026-01-28",
      "type": "joined",
      "participantId": "239cb7d5-4dcb-4348-9964-d8872faadc1c",
      "name": "Arab Bank PLC",
      "detail": "BDSP · BSIP · ISP · LFI"
    },
    {
      "date": "2026-01-20",
      "type": "went_live",
      "participantId": "d86e6704-e92b-4368-a425-5a7ba230e986",
      "name": "WIO Bank"
    },
    {
      "date": "2026-01-20",
      "type": "api_family_added",
      "participantId": "d86e6704-e92b-4368-a425-5a7ba230e986",
      "name": "WIO Bank",
      "detail": "accounts · cop · payments · products"
    },
    {
      "date": "2026-01-20",
      "type": "resource_changed",
      "participantId": "d86e6704-e92b-4368-a425-5a7ba230e986",
      "name": "WIO Bank",
      "detail": "Before: none recorded. After: accounts v1.2; certification=Self-Certified; complete=true | accounts v2.0; certification=Self-Certified; complete=true | cop v1.2; certification=Self-Certified; complete=true | cop v2.0; certification=Self-Certified; complete=true | payments v1.2; certification=Self-Certified; complete=true | payments v2.0; certification=Self-Certified; complete=true | products v1.2; certification=Self-Certified; complete=true | products v2.0; certification=Self-Certified; complete=true."
    }
  ],
  "note": "Dates are later-snapshot observation dates, not deployment dates. Fields can change because collection coverage changes. The 2026-10-08 schema 2.1 update expanded resource-family coverage.",
  "attribution": "OpenFinance-OS — independent observations, not official statistics"
}