About
The Open Finance Data Sandbox is a client-side static explorer that lets a TPP-perspective user load synthetic UAE customer personas and read every UAE Open Finance Bank Data Sharing payload they would receive, with mandatory / optional / conditional field treatment derived live from the published v2.1 OpenAPI spec.
It is contributed and maintained as part of the OpenFinance-OS Commons. Synthetic by construction — no real customer data, no anonymised data, no institution-specific operational detail. The Median LFI profile is a Commons-curated ecosystem assumption, not endorsed by Nebras or CBUAE, and is recalibrated quarterly as cross-LFI public evidence accumulates.
Source on GitHub · v1.0.0 release notes · Changelog · Contributing
What this sandbox is for
- Underwriters, risk modellers, AML analysts and product managers stress-testing affordability / fraud / decisioning logic against worst-case (Sparse) and best-case (Rich) field-population shapes.
- Fintech founders and pre-licence applicants assessing UAE OF feasibility before raising the next round.
- SDK and tooling authors who want a deterministic test corpus they can pin and rerun in CI.
- LFI compliance officers self-verifying their bank's emissions against the v2.1 spec.
- Educators and journalists who want a citable, stable example of what a real OF payload looks like.
What this sandbox is not
- Not a production decisioning system. It never runs a real credit decision, payment, or any other operation against live data.
- Not a TPP runtime. It does not call the Al Tareq API Hub. It synthesises data from the spec; it does not consume real payloads.
- Not a faithful simulation of any specific LFI. The Median populate-rate is a Commons-curated assumption from publicly available evidence.
Methodology — populate-rate bands
Every optional field in the v2.1 spec carries one of five bands. These are the qualitative vocabulary; the numeric calibration that drives the Median LFI generator is the engineering contract pinned in the source.
| Band | Meaning | Median populate (v1) |
|---|---|---|
| Universal | Populated by all LFIs in practice. | 1.0 |
| Common | Populated by most LFIs. | 0.7 |
| Variable | Populated by some LFIs. | 0.4 |
| Rare | Only premium-product or mature-integration LFIs. | 0.1 |
| Unknown | No cross-LFI evidence yet. | 0.0 |
Bands are revised quarterly as public evidence accumulates from the live
API Hub and ecosystem reporting. The revision history is published on
/changelog with a one-paragraph note explaining what changed
and why.
Citation guidance
If you are referencing this sandbox in an article, blog post, slide deck, paper or LMS module:
- Stable persona-level URLs. Every share-URL encodes
(persona, lfi, seed)and reproduces the same payload bundle deterministically across machines. URLs are stable across deployments — pin tested at every build. - Embed mode. A chrome-less variant lives at
/embed?persona=&lfi=&endpoint=&seed=&height=for iframe consumption. oEmbed metadata published. - Cite the spec, not the sandbox. The sandbox is the show-don't-tell complement; the authoritative source is the upstream UAE Open Finance Standards v2.1 OpenAPI spec at the pinned SHA.
- Always describe the data as synthetic. The footer watermark is on every export and embed; please carry it through to the citation.
Stewardship
The sandbox is committed to a 24-month minimum maintenance window
from public launch. Maintenance includes quarterly populate-rate band
recalibration, spec-pin updates within 30 days of any upstream Nebras
v2.x release on the ozone branch, bug-fix triage
within 14 days of an issue report, and quarterly persona-library reviews.
If the maintainer can no longer continue, the sandbox will be offered to OF-OS Commons stewards for take-over with full repository access and 90 days of consultative support. The artefact will never go un-maintained without an explicit, public end-of-life notice on this page providing at least 90 days' warning.
Spec source & version pin
Reporting issues & contributing
Every field card carries a Report an issue link that opens a pre-filled GitHub issue with the full reproduction context (persona, LFI, seed, pinned SHA, field path). Issues are triaged within 14 days.
Community persona contributions (PR-style) open in v2 alongside a contributing guide and SME review process. v1 and v1.5 remain maintainer-curated.
Licensing
- Code: MIT.
- Synthetic data & fixtures: CC0 — public domain.
- Vendored OpenAPI YAML: inherits the upstream Nebras-Open-Finance/api-specs licence; the maintainer verifies compatibility at every pin-SHA bump.