Building secure, compliant APIs is foundational for UAE fintech companies. This tutorial covers design, security, and regulatory requirements for financial APIs.
APIs are the backbone of every fintech product. For UAE companies operating under CBUAE, DFSA, or FSRA regulation, APIs must meet stringent security and compliance standards from day one. Start with OpenAPI 3.0 specification and use RESTful design with consistent naming conventions.
Authentication and Security
Implement OAuth 2.0 with PKCE for client authentication, JWT tokens with 15-minute expiry for session management, and mTLS for server-to-server communication. Validate all inputs strictly — IBANs against UAE format (AE + 2 check digits + 19 alphanumeric), amount fields using decimal types, and all text against injection attacks.
Compliance Logging
CBUAE regulations require complete audit trails for all financial transactions. Every API call must be logged with timestamp, caller identity, request parameters, response status, and processing duration. Logs must be immutable, retained for 5+ years, and available for regulatory inspection.
Bayden builds API platforms for UAE fintech companies with built-in compliance, security, and scalability from the ground up.
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