TPP Standards v2.1
The Open Finance Standards in the United Arab Emirates form the technical and operational foundation for secure, interoperable, and customer-consented data sharing across the financial ecosystem.
Led by the Central Bank of the United Arab Emirates (CBUAE) the Open Finance framework extends beyond traditional open banking to enable broader financial data access, payment initiation, and value-added services — all built on strong security, governance, and consumer protection principles.
These standards define:
- API specifications and data models
- Security and authentication profiles
- Consent management frameworks
- Customer Experience requirements
- Participant onboarding and compliance expectations
Together, they enable trusted collaboration between licensed financial institutions and regulated third-party providers, fostering innovation while maintaining systemic integrity.
For Licensed Financial Institutions (LFIs)
If you are an LFI looking to provide Open Finance services, please refer to:
For Third-Party Providers (TPPs)
This documentation is intended for TPPs looking to consume Open Finance capabilities — including account information services, payment initiation services, and other regulated financial data use cases.
You will find:
- API specifications
- Security profiles
- Integration flows
- User Experience
- Tools to help you integrate
Start here: TPP Sandbox Quickstart