CBUAE Open Finance Insurance APIs
CBUAE Open Finance insurance API integration for UAE insurers and intermediaries. Consent management, account information services, payment initiation, and supervisory technology aligned with the Central Bank of the UAE's Open Finance framework.
CBUAE Open Finance — What UAE Insurers Need to Prepare For
The Central Bank of the UAE (CBUAE) issued its Open Finance Regulation in 2024, establishing a phased framework for opening financial data and payment initiation across UAE financial services — including insurance. The regulation is broader than European-style Open Banking. It explicitly includes insurance accounts, claims, and policy data as in-scope, and it sets out a supervisory-technology (SupTech) architecture that gives the CBUAE direct visibility into the open-finance ecosystem.
For UAE insurers and intermediaries, this is a multi-year transformation. The early phases focus on consent management, identity verification, and API readiness. Later phases expand to richer data sharing, payment initiation for premiums and claim settlements, and embedded financial services. The technology requirements are demanding: secure consent flows, granular data access controls, real-time API performance, comprehensive audit trails for SupTech supervision, and integration with the CBUAE's designated infrastructure providers.
Regure's CBUAE Open Finance integration provides the insurance-specific layer that UAE insurers and brokers need to participate in the framework. Consent management workflows handle the customer-facing consent UI and the underlying consent lifecycle. API endpoints expose insurance data per CBUAE specifications with full audit trails. SupTech-ready logging produces the visibility the CBUAE requires from regulated participants.
For the broader Middle East context, see Middle East insurance solutions. For SAMA-specific compliance, see SAMA compliance digital insurance platform.
Consent management — the customer-facing foundation of Open Finance
Open Finance starts with customer consent. The customer must understand what data is being shared, with whom, for what purpose, and for how long. Consent must be granular, revocable, and auditable. Regure handles the full consent lifecycle.
Granular Consent Scopes
Consent is not all-or-nothing. The customer grants access to specific data types (policy details, claim history, premium payment information), to specific recipients (named third parties or accredited categories), for specific purposes, and for specific time windows. Regure's consent UI presents these scopes in clear Arabic and English, and the back end enforces the scopes on every API call.
Identity Verification & SCA
Strong Customer Authentication (SCA) protects consent decisions. Regure integrates with UAE identity providers and supports the authentication factors required by the CBUAE framework. Authentication events are logged for SupTech review and for the customer's own activity history.
Consent Revocation
Customers can revoke consent at any time through a self-service interface or by contacting the insurer. Revocation is propagated to active API consumers in near-real-time. Historical data access is logged with the consent state at the time of access — so a future review can verify that every data sharing event occurred under valid consent.
Consent Audit Trail
Every consent decision — grant, modification, revocation — is logged in the cryptographically verified audit trail. The CBUAE's SupTech infrastructure can query the audit trail for supervisory purposes. Consent history is also available to the customer themselves for self-service transparency.
Insurance API endpoints aligned with CBUAE Open Finance specifications
The CBUAE Open Finance technical specifications define the data structures, security requirements, and performance expectations for participating insurers. Regure exposes the relevant insurance endpoints with the architecture the framework requires.
Account Information Services (AIS)
Read access to customer policy and claim information per the granted consent scope. Standard endpoints for policy details, premium status, claim history, and settlement records. Performance SLAs aligned with the CBUAE framework expectations.
Payment Initiation Services (PIS)
Premium payment initiation and claim settlement payments executed through the Open Finance rails. Payment status updates flow back via the same APIs. Reconciliation with the operator's general ledger is automated.
SupTech Integration
The CBUAE's supervisory technology infrastructure gives the regulator direct visibility into Open Finance participants. Regure produces the SupTech-ready logging and reporting formats the CBUAE expects — without manual compilation or after-the-fact assembly.
What UAE insurers ask about CBUAE Open Finance
What is CBUAE Open Finance?
CBUAE Open Finance is the Central Bank of the UAE's regulatory framework for opening financial data and payment initiation across UAE financial services, including insurance. It establishes consent-based data sharing, API standards, payment rails, and supervisory technology integration for the UAE financial sector. It is broader than European-style Open Banking — insurance accounts are explicitly in scope.
Which Open Finance phases apply to insurance?
The CBUAE Open Finance framework is being rolled out in phases. Early phases focus on consent management, identity verification, and account information services for insurance accounts. Later phases expand to payment initiation for premiums and claim settlements, and richer data sharing across financial services categories.
How does Regure handle customer consent?
Regure provides the full consent lifecycle: customer-facing consent UI (Arabic and English), granular consent scopes (specific data types, recipients, purposes, time windows), strong customer authentication, consent revocation, and complete consent audit trails. Every API call is enforced against the active consent state.
Does Regure integrate with CBUAE-designated infrastructure providers?
Yes. The CBUAE Open Finance framework involves designated infrastructure providers for identity, consent dashboards, and SupTech integration. Regure integrates with these providers per the technical specifications published by the CBUAE. See integrations overview.
What about data residency for Open Finance data in the UAE?
Customer data covered by Open Finance is subject to UAE data residency expectations. Regure's deployment for UAE insurers respects these expectations, with infrastructure aligned to the CBUAE's data residency framework. See security architecture.
See CBUAE Open Finance integration for your UAE operation
Book a 20-minute demo. We'll show you consent management, API endpoints, and SupTech-ready logging — configured for your specific UAE insurance operation.