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Production APIs across financial data and embedded banking, all on one SAMA-licensed connection.
Consent-driven access to real-time financial data: statements, balances, income and behavior, aligned with SAMA’s framework and Vision 2030.
One profile across linked banks
Aggregates user-consented Open Banking data from every linked bank into one profile, with endpoints for accounts, balances, transactions, beneficiaries, direct debits, parties, scheduled payments and standing orders.
Automated source identification
A smart, automated service that analyzes bank transactions to identify and verify income sources such as salary, rent and investments.
Real-time bank statements via API
Secure, digital, real-time versions of bank account statements shared via APIs, delivering structured data for faster credit decisions and automated reconciliation.
Faster financial assessments
Verify customer account balances over 3, 6 and 12 months for faster, more reliable scoring, underwriting and financial assessments.
Unified analytics engine
Processes bank transaction data to identify and categorize spending across POS, e-commerce and other channels for granular visibility into financial habits.
Dynamic risk profiling
Ingests real-time transactions, income verification and spending patterns to build a behavior-based risk profile, replacing static scores with dynamic assessments.
Money in and out over a period
Reports the money moving in and out of a customer's consented accounts over a period you choose, across every linked bank or narrowed to specific accounts.
One REST API across multiple Saudi banks for payments, statements, analytics, payroll, bill payment and virtual IBANs — integrate once, add banks without changing your code.
One API, multiple banks
Sends single payments and batched payment runs through one REST API that fronts multiple Saudi banks, with the executing bank chosen per request and status endpoints reporting where each payment has got to.
Read-only account data
Four read-only services covering a live balance, finalized MT940 end-of-day statements, intraday MT942 activity and paginated transaction history spanning any date range in a single call.
Pre-computed daily aggregates
Two read-only services returning daily credit and debit totals with net flow, and daily opening and closing balances sourced from MT940, pre-computed during the sync so you never aggregate transactions yourself.
Salary batches with WPS files
Submits a WPS-compliant salary batch to a Saudi bank, reports the outcome for every employee in it, and returns the bank-signed WPS file ready to upload to Mudad, for domestic payroll only.
Bills settled in one call
Looks up what is owed on a subscriber account with a biller and pays it synchronously, returning the completed status within the request so there is no payment status to poll afterwards.
Ministry of Interior fee payments
Inquires and pays Ministry of Interior fees through SADAD — residency, driving licences, passports, traffic violations, vehicles, visas and civil affairs — synchronously, across 63 services and 10 billers.
One IBAN per customer
Creates virtual sub-accounts under an Al Rajhi Bank Omni Collection Account, each with its own IBAN and BBAN, so incoming payments identify the payer while all funds settle into one physical account.
Data, verification and payments through a single integration. Launch in weeks, not months.