Lean Technologies
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
Lean Authentication API
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.<...
Lean Customers API
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 ap...
Lean Entities API
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...
Lean Data API
Raw bank-account data retrieval (v2) returning accounts, transactions, balances, beneficiaries, standing orders, scheduled payments, direct debits, and identity, plus manual dat...
Lean Insights API
Derived analytics over an entity's transaction history — income detection, expense categorisation, and cashflow summaries — for underwriting, affordability, and BFM use cases.
Lean Banks API
List the banks Lean currently supports for Data and Payments per region, including identifiers, logos, and supported product surfaces (AIS, PIS, AOF, payouts).
Lean Verifications API
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)....
Lean Payments API
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, ...
Lean Payment Sources API
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 re...
Lean Payouts API
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-pay...
Lean Refunds API
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.