API Gateway
Unified Data Integration Layer
Secure Compliant Instant

Instant, Secure Access to the Kingdom’s Lending Data

One secure connection to the data that powers lending in Saudi Arabia – SIMAH, GOSI, MOF, Open Banking and more, delivered in real time and ready for decisioning.

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One API. Multiple trusted sources.

Connected Secure Real-time
SIMAH Credit Bureau GOSI Employment MOF Financial Data Open Banking Account Data
Qarar API Gateway One integration. Infinite possibilities.
DecisionSmart Risk Decisioning BridgeSmart Business Intelligence Your Applications APIs & Systems
Why choose

Why Choose API Gateway?

A secure, scalable and intelligent gateway that connects DecisionSmart with all your data sources – seamlessly and reliably.

SIMAH

Consumer Credit Report

SIMAH

Commercial Credit Report

MOF

Ministry of Finance

GOSI

Employment Records

Model Library

Risk Models

ECL Calculator

Beta Version

National Address Lookup

Saudi National Address (SPL)

X

Social Signals & Alternative Data

Facebook

Social Graph & Data

Saudi Open Data Portal

Government Datasets

LinkedIn

Professional Profiles

Instinct

Fraud / Risk Intelligence

AML Service

Sanctions & PEP Screening

Instagram

Social Media Insights

Tarabut Gateway

Open Banking Aggregator

Idenfo

KYC / AML Verification

Qawaem

Saudi Financial Statements

Lean Open Banking

Open Banking Aggregator

Masdr / Mofeed

Data Source

Custom APIs

On Request

FAQ

Frequently Asked Questions – API Gateway

Everything you need to know about Qarar’s secure and unified integration layer.

Qarar’s API Gateway is a unified, secure integration layer that connects lenders and partners to multiple data sources (SIMAH, GOSI, MOF, open banking, etc.) through a single governed API, reducing complexity and speeding up onboarding.

The Gateway enforces token authentication, encryption in transit, and granular access policies. It aligns with SAMA regulations and PDPL guidelines for financial institutions.

Current connectors include SIMAH (consumer & commercial credit), GOSI (employment), MOF (financial), open banking providers, Qawaem, AML/PEP services, and more. Custom APIs can be added on request.

With standardized REST/SOAP endpoints, most integrations finish in weeks–not months. The Gateway reduces repetitive vendor contracts and accelerates time-to-market.

Qarar provides monitoring, SLA-backed support, usage analytics dashboards, and help with scaling or adding new connectors as your needs grow.