Policies
Governance and operational policies for participants in the UAE Open Finance ecosystem — Licensed Financial Institutions, Third-Party Providers, and the technology service providers that support them.
Version Management Policy
Defines how API specifications, UI components, and related standards are versioned for the UAE Open Finance ecosystem — major and minor cadence, errata constraints, and the stability guarantees that apply once a capability is declared Live.
Major Version Deprecation Policy
Defines dual-running and deprecation requirements LFIs must follow when a new major version of the Open Finance standard is introduced — protecting TPPs and their customers from disruption while the ecosystem moves forward.
Ozone Connect Availability Policy
Sets the 99.5% monthly availability standard for an LFI's Ozone Connect endpoints — including how unavailability is defined, how it is monitored, and the incident, maintenance, and remediation processes that apply when the target is missed.
Ozone Connect Response Time Policy
Defines the 500 ms p95 response-time target each LFI must meet for its Ozone Connect endpoints — what the target covers (especially for payments), how it is measured, monitored, and the degradation incident process when it is missed.
Ozone Connect Data Quality Policy
Defines data quality expectations — required and optional field delivery, accuracy, real-time freshness — for data returned by an LFI's Ozone Connect endpoints, plus the Data Mapping Commitment and the monitoring that holds LFIs to it.
Changes to Published Documentation Policy
Defines how published documentation may be changed — Errata-only for published versions, free updates for non-published release-candidate baselines, with traceability and surfacing requirements.
Secure Management of Keys and Credentials in UAE Open Finance
Mandatory and recommended practices for the secure management of cryptographic keys and credentials across the UAE Open Finance ecosystem — HSMs, KMS, key lifecycle, strong authentication, access management, and BYOK / MYOK.
Open License and Contribution Agreement
The legal terms, copyright license, attribution rules, warranty disclaimer, and contribution agreement applicable to anyone who accesses, implements, or contributes to the UAE Open Finance Standards.