Your Gateway to
Smarter, Secure and Connected Open Finance
Unity’s FinVerse is a robust and future-ready Open Finance orchestration platform, purpose-built to meet the CBUAE’s regulatory framework under CBUAE’s Open Finance initiative. Engineered for performance, security, and compliance,
it includes an inbuilt API management layer for seamless API exposure, consent management, and third-party integration across the UAE ecosystem.
Backed by proven Bahrain Open Banking implementation
and strengthened by Unity’s inhouse expertise,
FinVerse ensures a smooth transition into the
new era of Open Finance.
- A Complete Solution for Open Finance
- Best Cases and Features adopted from bank implementation of Bahrain’s Open Banking framework
- Secure and cost-effective
- Compliant with Central Bank mandates
- Can be implemented as an extension to PHP API Gateway
- Plug-in module-based architecture Configurable & scalable modular platform to accommodate multiple futuristic systems
- Can be implemented as an extension of Payhub plus (NPSS Solution) reducing infra cost or as a separate system according to Bank’s preference
- Extensive Integration Capabilities
- Comprehensive MIS Reports and Dashboards
FinVerse Architecture
Modular microservices architecture of FinVerse enables scalability, flexibility, and ease of integration
with both legacy and modern banking infrastructures.
The solution is composed of five distinct yet tightly coupled architectural layers
Communication Layer
Implements Mutual TLS (MTLS) and digital certificate handling to ensure secure, bidirectional trust establishment between the FinVerse Gateway and the Nebras API Hub or Third-Party Providers (TPPs).
Authorization Layer
Manages OAuth 2.0 flows, fine-grained consent capture, revocation, and token issuance, fully aligned with the CBUAE’s prescribed data access protocols.
API Layer
Unity’s FinVerse supports leading API management platforms like KONG, delivering advanced features such as rate limiting, versioning, traffic control, policy enforcement, caching, and developer portal exposure.
Routing Layer
The Routing Engine intelligently classifies payments as intra-bank or inter-bank and automatically selects the optimal route based on settlement currency and beneficiary details. By delivering instant and accurate routing decisions, it streamlines payment processing and ensures seamless, efficient, and reliable execution of both domestic and international transactions across NPSS, FTS, and SWIFT systems
Integration Layer
Handles dynamic field mapping, protocol transformation, and adaptation logic to interface with core banking, payment rails, or external data systems.
Resource Layer
Houses business logic, rule engines, persistence layers, and transaction auditing systems with support for real-time and batch data processing.
Capabilities & Features
Seamless Nebras Integration & Compliance
- Full integration with the Nebras API Hub via secure MTLS, exposing bank APIs in accordance with CBUAE’s Open Finance API specifications.
- Adheres to the Open Finance Security Framework as mandated by the Central Bank, including signed request/response handling, payload encryption, and audit-ready traceability.
Consent Lifecycle & Authorization Management
- Comprehensive Consent Management Framework supports multi-scope, multi-TPP consents aligned with user permissions and expiry timelines.
- Validates every API call (AIS/PIS) against active consent states, ensuring regulatory compliance and protection against unauthorized data access.
Open API Exposure & Monitoring
- Hosts and publishes all required Account Information Services (AIS), Payment Initiation Services (PIS), and Transaction Information APIs on behalf of the LFI.
- Provides real-time API usage dashboards, rate monitors, uptime statistics, and regulatory usage reports as per Open Finance operational requirements.
Core & Peripheral System Integrations
- Flexible adapters to integrate with the LFI’s core banking systems, payment gateways (e.g., NPSS, FTS, WPS, FX, IPI), and loan, onboarding, and treasury systems.
- Dynamically translates third-party payloads into system-compatible formats and vice versa, using an intelligent data mapping engine.
Business Logic & Workflow Orchestration
- FinVerse includes a Central Orchestration Engine to manage multi-step API flows, transaction chaining, fallback logic, and workflow tracking.
- Supports use cases like payment splitting, account aggregation, and embedded finance triggers.
Health Monitoring & Nebras Diagnostics APIs
- Exposes Health Check APIs as required by Nebras, enabling the regulator to periodically verify LFI’s API availability, stability, and readiness.
- Supports automated status updates and compliance heartbeat signals.
Administration, Logging & Audit Trail
- Role-based user management system with comprehensive audit logs, administration dashboard, and access control layers for internal operations.
- All data exchanges, API interactions, and user actions are timestamped, encrypted, and auditable.
Future-Proof Monetization & Analytics
- Ready for API monetization models, enabling banks to track, analyze, and monetize API consumption based on volume, type, and partner tiers.
- Embedded analytics module provides TPP behavior insights, customer data flows, and conversion patterns to support new revenue models and fintech partnerships.
