Scheme access is not readiness.
One fixed 3-week sprint for UAE institutions preparing for Aani — participation model, scheme and Central Bank gaps, vendor vs build, and a 90-day onboarding roadmap.
3 weeks · Fixed fee quoted after a short scoping call
Who this is for
- Exchange houses, wallets, finance companies and PSPs facing Aani participation decisions
- Product, risk or technology leads who need a board-ready path, not a slide of logos
- Teams that want vendor options scored against scheme and Central Bank requirements
Name the participation model. I map gaps, options and the 90-day path.
Connectivity decks hide operating gaps
Instant payments readiness is more than joining a scheme. Participation model, overlay services, controls against Central Bank expectations, and whether you buy, build or blend all have to land in one programme. Vendor roadmaps often promise access without honest ops, liquidity and exception design. This sprint forces those gaps into a single board-ready summary before onboarding spend locks in.
How Aani readiness becomes executable
- Participation modelDirect vs mediated access, overlay services and what you actually owe the scheme and the Central Bank.
- OptionsVendor and build paths scored against gaps — not a preferred-vendor narrative.
- 90-day pathOnboarding roadmap with owners so the sprint ends in a sequence you can run.
What you leave with
- Participation model and overlay servicesClear choice of how you enter Aani and what you operate yourself
- Gaps against scheme and Central Bank requirementsNamed control and operating gaps with owners
- Vendor and build optionsScored alternatives a technology committee can decide
- 90-day onboarding roadmapSequenced plan from decision to onboarding readiness
- Board-ready summaryOne readout for executives and risk
How the three weeks run
- Week 1Lock participation intent, stakeholders and current stack. Leave with a shared picture of scheme and Central Bank obligations.
- Week 2Gap assessment and vendor/build options. Leave with a scored shortlist, not an open RFP fog.
- Week 3Package the 90-day onboarding roadmap and board summary. Leave with a decision-ready path into architecture and vendor selection.
Scope fence
This is payments architecture and readiness advisory. I am not the scheme, the Central Bank, or your licence counsel.
In scope
- Participation and overlay model design
- Scheme and Central Bank gap assessment
- Vendor vs build framing
- 90-day onboarding roadmap and board summary
Out of scope
- Licence or regulatory filing
- Legal advice or regulator contact on your behalf
- Building or operating the rail
- Free multi-vendor bake-offs without a named decision
Keep counsel for filings. Keep vendors for build. Start here when you need readiness named and sequenced.
What I need from you
- A named owner across product, risk, ops and technology
- Current architecture and any Aani / instant-payments packs — under NDA
- A decision-maker present for the week-3 readout
3 weeks · Fixed fee quoted after a short scoping call