One API, complete coverage.
Connect, verify, decide. Three products on one integration, in the order you use them.
- 01Connect
Sahl Connect
Two ways in. Your customer links their bank account or wallet and authorises at their own institution, or you send the statements and payslips and Sahl OCR reads them. Credentials never reach us.
1 API call · OAuth2 or uploadView API Docs - 02Verify
Verification
Income and identity confirmed against live bank transactions rather than a document a browser can edit. 98.5% accuracy.
Under 90s · 85+ banksView API Docs - 03Decide
Insights
Cashflow analytics and a credit score built from transaction patterns, so you can underwrite the borrowers no bureau file covers.
Real-time webhookView API Docs
Coverage
85+ Financial Institutions
Banks, mobile wallets and financial services across MENA and Africa, through one integration.
Built for how the region actually banks
Uneven bank coverage
What a bank returns varies by institution. The API normalises the response and tells you which fields it actually got, so you are never guessing at a gap.
Documents, not just connections
Where an institution is not reachable by API, Sahl OCR reads the statement or payslip directly and returns the same structured fields. Across much of the region that is the only route, so it is built as a first path rather than a consolation.
Multi-Language Support
Consent flows and reports in English, French and Arabic.
Use cases
Six industries, one ledger underneath
From lending to wealth management, how companies across MENA underwrite on ledger data.
Digital Lending
Instant credit decisions powered by real-time financial data
Bank statements retrieved instead of collected. Income, spending and creditworthiness assessed in minutes, not days.
Challenges
- −Manual document collection causes 40% application abandonment
- −Fraudulent income documents cost lenders millions annually
- −Traditional credit bureaus miss thin-file applicants
Solutions
- Real-time bank connectivity eliminates document uploads
- Direct bank verification prevents income fraud
- Sahl Score covers 95% of MENA banked population
Reported results
80%
Faster Approvals
35%
Default Reduction
2.5x
Conversion Increase
Integration
Integrate in days
Documentation, a sandbox, and an engineer who answers.
Get API Keys
Sign up for sandbox access and receive your API credentials within minutes.
Integrate the SDK
Use our drop-in UI components or build custom flows with our REST APIs.
Test in Sandbox
Full testing environment with simulated bank accounts and transactions.
Go Live
Switch to production keys and start processing real financial data.
Drop-in Widget
Pre-built UI that runs the whole connection flow. A few lines to embed.
- Responsive design
- White-label branding
- Built-in error handling
- Localization support (EN/FR/AR)
Direct API
Full control over the user experience. Build your own UI and call our APIs directly.
- RESTful endpoints
- Webhook notifications
- SDK libraries
- Sandbox testing