ENBD X API Integration & Open Finance Services

Compliance-first, runnable API implementations and deliverables for ENBD X based on OpenFinance and protocol analysis

Starting at $300 · Delivery-before-payment option available
OpenData · OpenBanking · Protocol Analysis · Real-time Settlement

Seamlessly integrate ENBD X account, card, payment and investment capabilities into your systems

We provide protocol analysis for ENBD X, OAuth/token authorization implementations, account & transaction synchronization, card lock/unlock, transaction confirmation (3DS / 2FA), and DirectRemit & international transfer integration. All implementations prioritize compliance and data minimization.

Account & Transaction Synchronization — Support for balances, transaction history, pending items, split accounting and multi-account views. Pagination, time-range and category filters supported, with export to JSON / CSV / Excel.
Card Management & Security — Card lock/unlock, dynamic limit changes, view/reset PIN, transaction blocking policies and auditable authorization chains.
Instant & Cross-border Transfers — Analyze ENBD X DirectRemit and international payment flows and deliver runnable settlement APIs and FX conversion samples.
Investments & Wealth Products — Sync portfolios, NAV, fund subscription/redemption and real-time market feeds (WebSocket / Push).
Contact Us View Deliverables

Deliverables We Provide

Standard Deliverable Package

  • OpenAPI / Swagger-style API specification documents
  • Comprehensive protocol and authorization flow analysis report (OAuth2, MTLS, token refresh, SoftOTP core flows)
  • Runnable source code for account & transaction queries, statement export, card controls and transfers (Node.js / Python / Go options)
  • Automation test scripts, integration test cases and Postman collections
  • Compliance and privacy recommendations (data retention, KYC integration, audit logging)

API Example: Statement Query (pseudocode)

POST /api/v1/enbdx/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'NLxxENBD00012345',
  'from_date': '2025-10-01',
  'to_date': '2025-10-31',
  'currency': 'AED',
  'page': 1,
  'page_size': 200
}

Response: {
  'status': 'OK',
  'account': 'NLxxENBD00012345',
  'transactions': [
    {
      'txn_id': 'ENBD-TRX-20251012-0001',
      'timestamp': '2025-10-12T08:23:41Z',
      'amount': -125.00,
      'currency': 'AED',
      'description': 'POS - SUPERMARKET',
      'status': 'SETTLED'
    }
  ],
  'pagination': { 'page':1, 'page_size':200, 'total':48 }
}

Use Cases

Enterprise reconciliation, acquirer / payments platform integration, card-control and risk middleware, cross-border transfer aggregation, investment product aggregation and white-label financial dashboards.

Compliance & Security Statement

All implementations are performed only under client authorization, public APIs or permitted integration methods. Solutions follow local financial regulations, data protection and minimization principles. NDA and compliance audit collaboration supported when required.

Typical Modules

  • OAuth2 / OIDC authorization and token management
  • Account balance and transaction synchronization
  • Card management: lock, limits, card info display
  • Instant transfers and international settlement (DirectRemit)
  • Investment accounts, transactions and market subscriptions (WebSocket)
  • Audit logs, event callbacks and webhook integration

About Us

We are a technical studio specializing in app protocol analysis and authorized API integrations. Our team has years of experience in mobile finance, payment gateways and bank system integrations. We deliver end-to-end OpenData / OpenFinance integration services with runnable source code and comprehensive documentation.

  • Financial-grade protocol analysis and reverse engineering (referred to as 'protocol analysis' or 'reverse engineering')
  • Compliance-first: KYC, AML, data minimization and audit trails
  • Multi-language and multi-region rollout support (Middle East, Europe, APAC)
  • Delivery languages: Node.js / Python / Go / Java SDKs and Postman collections
  • Transparent pricing, starting at $300, delivery-before-payment option available

Contact

To submit the target app name and detailed requirements or to request a quote, please visit our contact page:

View Contact / Submit Requirements

Collaboration Process (Short)

  1. Provide the target app name and integration scenario (e.g. reconciliation, card control, DirectRemit).
  2. Protocol research and API feasibility assessment (typically 2-5 business days).
  3. Development and internal validation (3-10 business days depending on complexity).
  4. Deliver source code, API documentation and test collections; settlement after client acceptance.

FAQ

What do I need to prepare?

Please provide the target app name (already provided), the features you want to integrate (e.g. account sync, card control, cross-border payments), and whether you have backend certificates or test accounts.

How do you ensure compliance?

All work is based on client authorization or public APIs; we provide compliance guidance, data-minimization strategies and support audit requirements and NDA signing.
📱 ENBD X official app feature overview (collapsed)

ENBD X is Emirates NBD's mobile banking client, offering over 150 instant services covering account management, card controls, statements, transfers and investments. Key highlights:

  • One-stop account & card management: view history, reset PIN, lock card and set limits
  • 150+ instant services: request statements, account statements, card applications, letters and report downloads
  • Payments & transfers: local and international transfers, DirectRemit instant transfers, FX and rate lookup
  • Investments & wealth: create portfolios, trade global & local stocks and digital investment products
  • Security & authentication: biometrics, soft tokens, push notifications and transaction confirmation mechanisms
  • Self-service: card PIN reset, card locking, transaction replay and automated document requests
  • Compliance & privacy: privacy policy and data protection links provided through official channels

The above is a typical feature summary for ENBD X; actual functionality is subject to the official app and policies.

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