The bank-direct way to move money and understand it.
Open Finance connects your business, app, or bank to accounts through the UAE Open Finance Framework, always on the account holder’s consent. Initiate account-to-account payments, and access approved financial data, across four solutions that stand alone or work as one. Bancify never holds funds; it initiates instructions and reads only consented data, while the banks execute and settle.
Shown in the zeno app
Two regulated activities:
access accounts, and move money.
The UAE Open Finance Framework covers two activities, and Bancify does both, always on the account holder’s consent and directly with their bank.
Access accounts Data Sharing
With explicit consent, read approved balances and transactions to show a clear, consolidated view.
Move money Service Initiation
Initiate account-to-account payments on the customer’s approval, with no cards in the middle. Bancify never holds the funds.
Four solutions. One rail.
Each one solves a real job on its own, and they all share the same platform, so you can start with one and add the rest without re-integrating.
Account-to-account payments,
initiated on consent.
The customer reviews a payment, consents, and authenticates with their bank. Bancify submits the instruction; the banks execute and settle. No cards in the middle, and no funds held by Bancify.
P2P Payment
Send money to a person, bank to bank, on consent.
Request to pay
Send a request; the payer approves from their bank.
Pay a merchant
Customers pay you account-to-account, no card details.
Pay a bill
Settle an invoice or one-time bill from the account.
One consent,
for a defined series.
A single consent covers the amount, beneficiary, schedule, and validity. Payments are initiated on the approved terms. A recurring consent lasts up to 12 months and can be cancelled at any time.
Rental payments
Set up rent once, initiated on the tenant’s consent.
Subscriptions
Bill recurring plans from the account, on a recurring consent.
Utility payments
Keep electricity, water, and repeat bills on schedule.
Pay by bank, built right
into your checkout.
Add a Pay by Bank option to your checkout, app, or invoices. The customer pays account-to-account on their consent, with no card details in your checkout. Funds move through the banks, not a Bancify wallet.
E-commerce Gateway
A consent-based Pay by Bank option at checkout.
E-commerce Integration
Plug it into your store, cart, or platform with a clean API.
A consolidated view,
on consent.
With explicit Data Sharing consent, connected accounts come together in one view: balances, spending by category, cash-flow, budgets, and goals. It is read-only and informational, not financial, investment, credit, or tax advice.
Consolidated view
Connected accounts and balances in one place.
Spending & budgets
Spending by category, cash-flow, and a budget you set.
Goals & alerts
Savings-goal tracking and alerts you configure.
Built to work together.
The four solutions share one integration, so a single journey can span them, while each customer permission stays purpose-specific: a payment consent is never reused for account data.
Instant Payment
Get paid
Recurring Payment
Renew
Banking Gateway
Checkout
PFM
Understand
How a subscription business runs on one integration
A new customer checks out and pays by bank, on their consent.
Their plan runs on a recurring consent, valid up to 12 months.
A refund is initiated account-to-account when it is needed.
With a separate Data Sharing consent, the business can offer a consolidated view.
Infrastructure
you can build on.
One integration
Connect once and use every capability. Add more without re-integrating — the same platform, the same API.
Payments and data, one integration
Service Initiation and Data Sharing through one integration, so you can combine payments and account data using separate, purpose-specific consents.
Direct and non-custodial
Payments are initiated straight from the customer’s bank. Bancify holds no funds; the banks execute and settle.
Consent-first, built for the UAE framework
Nothing is accessed or moved without explicit approval. Designed for the CBUAE Open Finance Framework and its technical standards.
Built to embed
Offer payments and consent-based account data directly inside your own product or bank, one integration away.
Built for whoever
moves the money.
Businesses
Collect and pay account-to-account, automate recurring payments, and offer a consolidated view, in one place.
Fintechs
Launch consent-based payment and account-data features without becoming a payments company.
Banks
Offer open-finance services to your customers on ready rails.
Consent-first, built for
the UAE framework.
Open Finance is designed for the Central Bank of the UAE (CBUAE) Open Finance Framework. Data is accessed only with explicit consent for a stated purpose, payments are initiated only on approval, your bank performs authentication, and Bancify never sees your PIN or password or holds your funds. Open Finance data is stored in the UAE. Production availability is subject to CBUAE authorisation, certification, and participating-institution support.
Consent-driven
Every data access and payment is explicitly approved by the account holder, with separate, purpose-specific consent.
Non-custodial
Bancify initiates instructions and reads consented data; banks execute and settle.
Encrypted & auditable
Secure by design, with a full record of every action.
Aligned with CBUAE Open Finance Regulation (Circular 03/2025) · Service Initiation & Data Sharing · Subject to authorisation & certification
Ready to build on open finance?
Tell us what you want to do, whether that is getting paid by bank, automating recurring payments, adding Pay by Bank, or offering a consolidated account view, and we’ll point you to the right solution.