Open Finance in the UAE

With Open Finance regulatory rails now in place in the UAE, businesses can initiate real-time payments directly from user bank accounts, without cards, manual transfers, or legacy constraints. But unlocking that requires more than compliance; it takes a clear understanding of how the Open Finance framework works, what it enables, and how to build with it.

This whitepaper breaks down the Open Finance Framework, then zooms in on the most immediate and impactful use case: Payments. From consent flows to Aani and AlTareq, we unpack the mechanics, the opportunities, and what’s already live in market.

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Inside the whitepaper, you’ll find:

• A full walkthrough of how Open Finance payments work, from consent to settlement
• A breakdown of the infrastructure powering the shift: Aani, AlTareq, Nebras
• Key use cases like single and recurring payments, and how they compare to cards and bank transfers
• How Lean is helping platforms like Careem, DAMAC, and e& build with real-time payments