Secure • Compliant • Instant

Instant, Secure Access to the Kingdom’s Lending Data

One connection to all borrower data sources—SIMAH, GOSI, MOF, and more—delivered in real time, verified, and ready for decisioning.

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Unified API Preview

SIMAH, GOSI, MOF, Open Banking… consolidated into a single, secure gateway.

SIMAH
Credit Reports
GOSI
Employment Data
MOF
Financial Data
One API
All Sources
See all sources

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

Custom APIs

On Request

Why Choose Wasel Al-Thiqah?

Lightning Fast

Sub-second response times for all your data requests.

Bank-Grade Security

Encryption, regional hosting, and compliance with local regulations.

Single API Integration

One integration to all major data sources—no vendor juggling.

99% Uptime Guarantee

Redundant infrastructure keeps your lending operations running.

Expert Support

Local team with deep knowledge of Saudi lending requirements.

Real-time Analytics

Built-in dashboards for usage, performance, and insights.

Frequently Asked Questions

Qarar’s AWasel Al-Thiqah 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.