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Unlike bank data and payment initiation requests, product data is non-consented. This means you don’t need to go through a consent flow, making the process of accessing this data much simpler.

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Step 1 - Get a client-credentials scoped Access Token

To create a client credentials token send a POST request to the following endpoint, with the scope openid products: /token/client-credentials /token/client-credentials 
{
  "access_token": "a444a69e-1e97-4fc6-844f-e3ecfd71700e",
  "token_type": "Bearer",
  "expires_in": 600,
  "scope": "products"
}

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Step 2 – Getting products

Now that you have the required access token you can get the bank data payment by making a GET request to the following endpoint: /open-finance/product/v1.2/products authorize_endpoint enter_access_token Behind the scenes, this request triggers Retrieve Products (GET /products) to the Al Tareq Sandbox Model Bank to retrieve the available products.

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Products Response

{
  "Data": [
    {
      "LFIId": "100000000000000000001001",
      "LFIBrandId": "100000000000000000002001",
      "Products": [
        {
          "ProductId": "100000000000000000003001",
          "ProductName": "Savings Account",
          "ProductCategory": "SavingsAccount",
          "Description": "A high-interest savings account.",
          "EffectiveFromDateTime": "2023-01-01T00:00:00Z",
          "EffectiveToDateTime": "2025-01-01T00:00:00Z",
          "LastUpdatedDateTime": "2024-12-01T12:00:00Z",
          "IsShariaCompliant": true,
          "ShariaInformation": "Fully compliant with Islamic principles.",
          "IsSalaryTransferRequired": false,
          "Links": {
            "ApplicationUri": "https://example.com/apply",
            "KfsUri": "https://example.com/kfs",
            "OverviewUri": "https://example.com/overview",
            "TermsUri": "https://example.com/terms",
            "FeesAndPricingUri": "https://example.com/fees",
            "ScheduleOfChargesUri": "https://example.com/charges",
            "EligibilityUri": "https://example.com/eligibility",
            "CardImageUri": "https://example.com/card-image"
          },
          "Eligibility": {
            "ResidenceStatus": [
              {
                "Type": "UaeResident",
                "Description": "A person who is a resident of the UAE."
              }
            ],
            "EmploymentStatus": [
              {
                "Type": "Salaried",
                "Description": "Employed individuals with regular income."
              }
            ],
            "CustomerType": [
              {
                "Type": "Retail",
                "Description": "Individual customers."
              }
            ],
            "AccountOwnership": [
              {
                "Type": "Individual",
                "Description": "Owned by a single individual."
              }
            ],
            "Age": [
              {
                "Type": "MinimumAge",
                "Description": "Minimum age required.",
                "Value": 18
              }
            ],
            "AdditionalEligibility": [
              {
                "Type": "Student",
                "Description": "Available to students with a valid student ID."
              }
            ]
          },
          "Channels": [
            {
              "Type": "Internet",
              "Description": "Accessible online."
            }
          ],
          "Product": {
            "SavingsAccount": {
              "Type": "Savings",
              "Description": "A standard savings account product.",
              "MinimumBalance": {
                "Amount": "1000",
                "Currency": "AED"
              },
              "AnnualReturn": 3.5,
              "Documentation": [
                {
                  "Type": "SalarySlip",
                  "Description": "Salary Slip"
                },
                {
                  "Type": "BusinessOwnership",
                  "Description": "Business Ownership"
                }
              ],
              "Features": [
                {
                  "Type": "DebitCard",
                  "Description": "Includes a debit card for easy withdrawals."
                },
                {
                  "Type": "FreeATMAccess",
                  "Description": "Free access to ATMs worldwide."
                }
              ],
              "Fees": [
                {
                  "Type": "MonthlyFees",
                  "Period": "Daily",
                  "Name": "Monthly Maintenance Fee",
                  "Description": "Fee for maintaining the account.",
                  "Unit": "Amount",
                  "Amount": {
                    "Amount": "5",
                    "Currency": "AED"
                  },
                  "Percentage": 100,
                  "UnitValue": 1,
                  "MaximumUnitValue": 10
                }
              ],
              "Limits": [
                {
                  "Type": "MaximumBalance",
                  "Description": "The maximum balance allowed in the account.",
                  "Value": 100000
                }
              ],
              "Benefits": [
                {
                  "Type": "Cashback",
                  "Name": "Monthly Cashback",
                  "Description": "Earn cashback on transactions.",
                  "Value": 2
                }
              ]
            }
          }
          ....