Open Finance is a CBUAE-mandated framework that standardizes how banks, Lean, and merchants share financial data and initiate payments.
Transform your payment and data infrastructure with these powerful advantages
Instant beneficiary activation without waiting periods
No expense to your current UX, smooth transition guaranteed
Backed by the Central Bank of the UAE
Payment solutions for your business needs
Optimized payment experiences drive more completions
Reliable infrastructure ensures payment success
Less friction, fewer drop-offs
New data points for better outcomes
Instant & automated decision
Up to 1 year of consent with no re-logins
Seamless and consistent user experience
Empower your business with cutting-edge payment solutions designed for the modern digital economy
Enable instant funding and top-ups for any digital wallet or account
Collect payments reliably across long-term and installment-based use cases
Convert more customers with fast, frictionless payment experiences
Move money out fast with secure, reliable payout experiences.
Resolve returns and cancellations with simple, customer-friendly money back flows.
Verify customer identity and account ownership with trusted bank-verified data.
Turn raw bank data into actionable insights for risk assessment and smarter decisions.
For users, it means a faster, simpler way to pay without cards or friction.
For Ziina, it marks a shift in how payments can be made: less reliance on card rails, lower fees, and greater control over the payment experience.
Growing coverage across the UAE banking ecosystem
12+
Banks in Progress
Expanding coverage across the entire UAE banking ecosystem
Key partners powering the Open Finance framework in the UAE
Manages the Open Finance trusted framework, oversees participant onboarding and ecosystem compliance, while ensuring performance, security, and stability of bank APIs and TPP services.
CBUAE's consumer-facing brand for Open Finance. Designed to build trust and drive adoption by setting a common look and customer journey that is identifiable, accessible, and reassuring to consumers.
UAE's national instant bank transfer rail (24/7/365). Operated by Al Etihad Payments, part of CBUAE. Mandated rail for all Open Finance payment settlements ensuring instant, reliable transactions.
Explore our knowledge hub to learn more about Open Finance
Join leading merchants in the UAE who are already leveraging Open Finance to transform their payment infrastructure
Regulated in the UAE by the ADGM Financial Services Regulatory Authority.
Licensed under the SAMA Regulatory Sandbox in KSA.
Clients in the region trust us with processing their payments, and financial data.
Unique customer accounts connected to date.
We adhere to the industry best practices for security such as AES 256 encryption at rest and TLS 1.3 in transit
Integrate Lean with flexibility and the best developer experience, regardless of the language you use.
