Total Participants
55 0

Registered in sandbox

With Auth Servers
16

Ready for testing

Shariah Compliant
10

Islamic finance institutions

API Families
4

Accounts, Payments, CoP, Products

Multi-Role
55

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 in sandbox

55 Total
  • BDSP 54 29%
  • BSIP 54 29%
  • LFI 37 20%
  • ISP 39 21%
  • API Read_Write 2 1%
  • TSP 2 1%
  • pki-test-harness 1 1%
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

Sandbox participants by location

  • Dubai 28 51%
  • Abu Dhabi 11 20%
  • Ajman 1 2%
  • Unknown 7 13%
  • Kuwait City 1 2%
  • Riyadh 1 2%
  • Amman 1 2%
  • Fujairah 1 2%
  • London 2 4%
  • Sharjah 1 2%
  • Manama 1 2%

Company Types

Institution categories in sandbox

  • Fintechs 11 20%
  • Insurance 10 18%
  • Other 8 15%
  • Commercial Banks 7 13%
  • International Banks 5 9%
  • Islamic Banks 5 9%
  • Payment Services 5 9%
  • Digital Banks 2 4%
  • Exchange Houses 1 2%
  • Infrastructure 1 2%

Ownership Structure

Government vs private sector

  • Private 30 55%
  • Government 11 20%
  • Unknown 8 15%
  • Public 5 9%
  • State-owned 1 2%

API Coverage

API families in sandbox

Account Information
3/55
Confirmation of Payee
5/55
Payments
10/55
Products
2/55

Authorization Capabilities

Technical capabilities supported by participants

CIBA Client Initiated Backchannel Authentication
0/55 0%
Not yet adopted by participants
DCR Dynamic Client Registration
0/55 0%
Not yet adopted by participants
Redirect OAuth Redirect Flow
0/55 0%
Not yet adopted by participants

Sandbox Participants

55 of 55 registered test institutions

International Bank
Dubai

AAIB

Egyptian bank with regional presence across Middle East and Africa.

HQ: Cairo, Egypt
Regional bank serving MENA
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Abu Dhabi

ADCB

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

3rd largest bank in UAE by assets
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Islamic Bank
Abu Dhabi

ADIB

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

3rd largest Islamic bank globally
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Insurance
Abu Dhabi

ADNIC

Leading insurance company in the UAE providing comprehensive insurance solutions.

Leading insurance company in UAE
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Islamic Bank
Ajman

Ajman Bank

Islamic bank headquartered in Ajman, providing Shariah-compliant banking services.

Leading bank in Ajman emirate
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Exchange House
Dubai

Al Ansari Exchange

UAE's largest exchange house providing remittance and foreign exchange services.

Largest exchange house in UAE
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Al Buharia National Insurance Co

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Islamic Bank
Abu Dhabi

Al Hilal Bank

Abu Dhabi-based Islamic bank offering innovative Shariah-compliant financial solutions.

Major Islamic bank in Abu Dhabi
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

AL ITTIHAD AL WATANI (GENERAL INSURANCE SOCIETY FOR NEAR EAST)

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Digital Bank
Abu Dhabi

Al Maryah Bank

Digital-first community bank focused on serving the UAE's underbanked population.

Community-focused digital bank
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Abu Dhabi

Al Masraf

UAE bank focused on trade finance and corporate banking services.

Trade finance specialist
Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Al Wathba National Insurance Co

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Insurance
Abu Dhabi

ALAIN AHLIA INSURANCE COMPANY

UAE insurance company providing diverse insurance products and services.

Regional insurance provider
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

American Life Insurance Company (MetLife)

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Live
Dubai

Arab Financial Services LLC

Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Fintech
Dubai

Bancify

Fintech company providing digital banking infrastructure and solutions.

Digital banking infrastructure provider
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
International Bank
Dubai

Bank of China

One of China's Big Four banks with international presence including UAE operations.

HQ: Beijing, China
Major Chinese bank with global footprint
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Bawabat Altarabut For Information Technology L.L.C

Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Dubai

CBD

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

Mid-tier UAE bank
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Dubai

CBI

Dubai-based bank providing retail and corporate banking services.

Mid-tier commercial bank
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Live
Dubai

Citibank NA, UAE

Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Islamic Banking
Islamic Bank
Dubai

DIB

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

World's first Islamic bank, largest Islamic bank in UAE
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Dubai Insurance Company

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Insurance
Dubai

EIC

One of UAE's oldest insurance companies providing comprehensive insurance services.

Established insurance provider
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Live
Dubai

ENBD

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Islamic Banking
Commercial Bank
Abu Dhabi

FAB

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

Largest bank in UAE and Middle East by total assets
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Fintech
Dubai

Fintech Galaxy

Open finance infrastructure provider enabling secure data sharing.

Open finance infrastructure provider
Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Grow High Technology Serices LLC (GrowX.Global)

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Gulf Insurance Group (Gulf) B.S.C Closed

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
🇬🇧 International Bank
Dubai

HSBC

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

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

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Open Banking
Riyadh

Lean Technologies

Open banking infrastructure provider enabling account connectivity across MENA.

Leading open banking provider in Saudi Arabia
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Lending Advisor

Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

MadfooatCom for E Payments DMCC

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Dubai

Mashreq

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

Oldest private bank in UAE, digital banking pioneer
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Payment Services
Dubai

Mercury

UAE-based payments technology company providing payment processing solutions.

Emerging payment service provider
Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Islamic Banking
PFM
Dubai

myAlfred

Financial management app helping users track spending and manage finances.

Personal finance management app
Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

NATIONAL BANK OF UMM AL-QAIWAIN

Roles

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

National Health Insurance Company - Daman PJSC

Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Commercial Bank
Fujairah

NBF

Leading bank in Fujairah emirate providing comprehensive banking services.

Leading bank in Fujairah
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Payments
Dubai

NearGo

Fintech company providing proximity-based payment and loyalty solutions.

Proximity payment solutions
Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Billing
Dubai

Nomod

Billing and invoicing platform for businesses in the UAE.

Business billing platform
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

NymCard Payment Services L.L.C.

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Open Banking Tech
London

Ozone API

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

Leading open banking platform provider
Roles

API Read_Write · BDSP · BSIP · ISP · LFI · TSP

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

PAY TEN PAYMENT SERVICES PROVIDER LLC

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Payment Gateway
Dubai

Paymob

Leading payment infrastructure company enabling digital payments across MENA.

HQ: Cairo, Egypt
Leading payment gateway in MENA
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Trust Framework
London

Raidiam

Trust framework operator providing identity and directory services for open finance ecosystems globally.

Operates UAE Open Finance Trust Framework Directory
Roles

API Read_Write · BDSP · BSIP · ISP · LFI · TSP · pki-test-harness

API Coverage
Accounts
Payments
CoP
Products
Wealth Tech
Dubai

Sav

Savings and investment app helping users build wealth through micro-investing.

Micro-savings and investment platform
Roles

BDSP · BSIP · ISP

API Coverage
Accounts
Payments
CoP
Products
Islamic Bank
Sharjah

Sharjah Islamic Bank

Leading Islamic bank in Sharjah emirate, offering Shariah-compliant financial services.

Leading bank in Sharjah emirate
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Registered
Unknown

Spare Digital Technologies LLC S.O.C

Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
Fintech
Manama

Spire

Financial technology company providing banking and payment solutions.

Banking technology provider
Roles

BDSP · BSIP

API Coverage
Accounts
Payments
CoP
Products
🇬🇧 International Bank
Dubai

Standard Chartered

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

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

BDSP · BSIP · LFI

API Coverage
Accounts
Payments
CoP
Products
Insurance
Dubai

Sukoon Insurance

UAE insurance company (formerly Oman Insurance) offering diverse coverage.

Major insurance provider in UAE
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Insurance
Abu Dhabi

Union Insurance

UAE insurance company providing comprehensive insurance solutions.

Growing insurance provider
Roles

ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Digital Bank
Abu Dhabi

WIO Bank

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

UAE's first platform bank, BaaS provider
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products
Life Insurance
Dubai

Zurich

Global insurance company providing life insurance and savings products.

HQ: Zurich, Switzerland
Leading international life insurer
Roles

BDSP · BSIP · ISP · LFI

API Coverage
Accounts
Payments
CoP
Products