OPEN FINANCE LAYER
Connect the financial stack behind every business.
A consent-led integration layer for banks, payment providers and card programs. Each region runs its own rail into one normalised ledger.
EMIRAL MONEY DATA FABRIC
One normalised financial model.
Provider data is mapped to businesses, ownership structures, accounts, currencies and ledgers, ready for reporting, automation and the AI CFO. 5 of 6 rails run in sandbox today.
Banking APIsConsent & mappingUnified ledgerAI CFO
REGIONAL RAIL 01
United States · Plaid
Account, balance, transaction, identity, liability and investment coverage for US institutions.
SANDBOX · ISOLATED WORKSPACE
Connected financial data
INTEGRATION HUB
Production rails disabledPartner capabilities
Markets are planning targets, not confirmed eligibility. Banking, payments and card issuing require separate contracts, compliance approval and tested adapters.
REGIONAL RAIL 02
Europe & United Kingdom · Tink
PSD2 account information across the EU, EEA and the United Kingdom, with the consent lifecycle and renewal built in.
TINK · EU/EEA + UK · SANDBOX
European consent status
Read-only account information under PSD2 29 European markets
REGIONAL RAIL 03
UAE & Saudi Arabia · Lean
Regulated open finance under CBUAE and SAMA: account information, identity, beneficiaries and standing orders, with Pay by Bank, payouts, refunds and account verification on the same consent model.
LEAN · NOT CONFIGURED · SANDBOX
MENA consent status
Account information under CBUAE open banking UAE active · KSA requires a dedicated tenant
LEAN · PAY BY BANK · SANDBOX
Account-to-account payments
Payment ledgerInstructions submitted — not a settlement record
No payment, payout or refund has been submitted in this session.
LEAN · BENEFICIARIES
Payment destinations and sources
No reusable payment source yet. Connect a bank with payment permissions to create one.
LEAN · PAYOUTS AND REFUNDS
Money out
Only a payment Lean has reported as settled can be refunded, and never for more than it collected.
LEAN · VERIFICATION
Account and payee verification
Verification reaches beyond the two home markets: Lean resolves beneficiary accounts across 27 countries.
PAYMENTS LAYER
Merchant balance, sub-merchants and cards · Stripe
The operator's Stripe account joins the ledger as a balance per currency with fees netted and payouts tracked. Acquiring, sub-merchant onboarding and card issuing sit behind their own operator gate, test mode only.
STRIPE · PAYMENTS · TEST MODE
Merchant balance and payouts
Read-only balance, ledger and payouts Test mode only · a live key is refused
STRIPE · ACQUIRING, MARKETPLACE & ISSUING
Connect referenceMerchant payments and card programs
Checking
STRIPE CONNECT · SUB-MERCHANTS
Collect directly for each company
Loading sub-merchants…
Onboarding, identity checks and loss liability sit with Stripe under the approved controller profile.
SPONSOR BANK LAYER
United States · Lead Bank
Banking accounts and money movement sit below the read-only data rails, behind their own operator gate.
LEAD BANK · OAUTH2 CLIENT CREDENTIALS
Banking API authentication
Checking
LEAD BANK · PROGRAM DATA
Banking capabilities synced to EMIRAL MONEY
Checking Webhook secret not set 0 recent events