Banking as Service (BaaS)
Connect through Open Banking APIs, launch card programs, and move money on a regulated banking platform.
Get in touchOpen Banking APIs
Connect to Zand. Move money by API.
Built on the open banking standards, our APIs allow licensed fintechs and PSP platforms to initiate payments and remittances directly from Zand accounts, and access account data with customer consent.
Key features
Service initiation APIs for domestic and cross-border payments
Account information APIs: balances, transactions and confirmation of payee
Remittance as a service: multi-currency payouts to 9+ currencies via the best available rail
Sandbox, developer portal and API keys with full documentation
Aligned with the CBUAE Open Finance Regulation and consent standards
BIN Sponsorship and Card Program Services
Launch your card program on a licensed bank.
Licensed fintechs and exchange houses can issue Visa and Jaywan cards under Zand's scheme licenses. We provide BIN, scheme membership, settlement and regulatory umbrella; you own the customer experience.
Key features
Debit, prepaid and virtual card programs on Visa and Jaywan
Scheme settlement agent services: Zand settles with the schemes on your behalf
Works with leading issuer processors and tokenization, including Apple Pay, Google Pay and Samsung Pay
Safeguarded client-money and float accounts at a licensed UAE bank using our Client Money and Virtual Accounts infrastructure
Compliance, risk and dispute frameworks aligned with CBUAE requirements
Program reporting, reconciliation and fee management via API
Added-value services, including fraud monitoring, card production and delivery
Build your next financial product with Zand
Talk to our team about launching a card program or connecting through our Open Banking APIs.