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Full detail: Where this data comes from
Lean Technologies is a Middle East Open Banking and Open Finance infrastructure provider founded in 2019 and headquartered in the UAE. Lean offers regulated Account Information (AIS), Payment Initiation (PIS), payouts, refunds, account and name verifications, and derived insights across the UAE and Saudi Arabia, with verification coverage extending to 27+ countries globally. Lean holds an In-Principle Approval from the Central Bank of UAE for Open Finance Services (August 2025), a Major Payment Institution licence from the Saudi Central Bank (SAMA), and an FSP licence from the Abu Dhabi Global Market FSRA (no. 200033). The platform is SOC 2 Type II and ISO 27001:2022 certified and has processed AED 16B+ across 2M+ linked accounts. Investors include Sequoia, General Catalyst, Breyer Capital, Shorooq, Raed, BCV, and Liberty City.
APIs.json: https://raw.githubusercontent.com/api-evangelist/lean-tech/refs/heads/main/apis.yml
- Access: 3rd-Party
- Open Banking
- Open Finance
- MENA
- UAE
- Saudi Arabia
- Payments
- Pay by Bank
- A2A
- Account Information
- Payment Initiation
- Verifications
- Identity
- Fintech
- Created: 2026-05-25
- Modified: 2026-05-25
OAuth 2.0 client-credentials token issuance for Lean APIs. Generates API access tokens (scope=api) for server-to-server calls and customer-scoped access tokens (scope=customer.<customer_id>) for the LinkSDK. Production auth endpoint is auth.leantech.me; sandbox endpoints are regional (auth.sandbox.sa.leantech.me, auth.sandbox.ae.leantech.me).
- Human URL: https://docs.leantech.me/docs/authentication
- Authentication
- OAuth
- Open Banking
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Manage end-user customer records that Lean uses to anchor data and payment consents. Create customers with an app_user_id, list customers, and retrieve a customer by ID or by app_user_id.
- Human URL: https://docs.leantech.me/reference/customers
- Customers
- Open Banking
- End Users
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
Entities represent a customer's authenticated connection to a single bank, returned after a successful LinkSDK consent. List entities for a customer, retrieve a single entity by ID, or query entities across a date range.
- Human URL: https://docs.leantech.me/reference/entities
- Entities
- Open Banking
- Consents
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Raw bank-account data retrieval (v2) returning accounts, transactions, balances, beneficiaries, standing orders, scheduled payments, direct debits, and identity, plus manual data refresh triggers and refresh status. Available after an Account Information consent has been collected via the LinkSDK.
- Human URL: https://docs.leantech.me/reference/data-api
- Open Banking
- Account Information
- Transactions
- Balances
- Identity
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
- JSON Schema — JSON Schema
- JSON-LD — JSON-LD
Derived analytics over an entity's transaction history — income detection, expense categorisation, and cashflow summaries — for underwriting, affordability, and BFM use cases.
- Human URL: https://docs.leantech.me/reference/insights
- Open Banking
- Insights
- Income
- Expenses
- Cashflows
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
List the banks Lean currently supports for Data and Payments per region, including identifiers, logos, and supported product surfaces (AIS, PIS, AOF, payouts).
- Human URL: https://docs.leantech.me/reference/banks
- Open Banking
- Banks
- Coverage
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Account Verification confirms ownership and validity of a bank account by IBAN or local account number across 27+ countries (UAE, KSA, GB, US, EU, BR, IN, ID, NG, ZA, and more). Name Verification compares a supplied name against a payee record. Used for fraud reduction, payout pre-checks, and Confirmation of Payee.
- Verifications
- Account Verification
- Name Verification
- KYC
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Single Instant Payment ("Pay by Bank") and Account-on-File (AOF) payment initiation, plus consent management. Create payment intents, retrieve payments by intent or payment id, list payment intents, and manage long-lived AOF consents with balance and history endpoints.
- Human URL: https://docs.leantech.me/reference/payments
- Open Banking
- Payments
- Pay by Bank
- PIS
- A2A
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
Tokenized representation of a customer's funding bank account once linked. List payment sources for a customer, retrieve a single source by ID, and delete a payment source to revoke its associated AOF consent.
- Open Banking
- Payment Sources
- Tokenization
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Initiate outbound bank-to-bank payouts from corporate accounts to consumer or business beneficiaries. Create payout payments, list payouts, retrieve a payout intent, get per-payment history, and manage payout destinations (the beneficiary records that receive funds).
- Human URL: https://docs.leantech.me/reference/payouts
- Open Banking
- Payouts
- Disbursements
- A2A
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
Issue full or partial refunds against prior Pay by Bank payments. List refunds, create a new refund, process queued refunds, and retrieve the canonical list of refund reason codes.
- Human URL: https://docs.leantech.me/reference/refunds
- Open Banking
- Refunds
- Payouts
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- Portal
- Documentation
- Documentation
- Console
- Status Page
- Support
- Documentation
- Source Code
- Postman Collection — Postman Collection 2.1
- SDK
- SDK
- SDK
- Sample Code
- Plans
- Rate Limits
- Fin Ops
- Vocabulary
- Spectral Rules
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