Al Etihad Payments
CBUAE subsidiary operating national payment infrastructure, Aani, and Jaywan

Al Etihad Payments is a CBUAE subsidiary that develops and operates UAE payment infrastructure, including the Aani instant-payment platform and the Jaywan domestic card scheme. Jaywan supports debit, prepaid, credit, mono-badge, and co-badge programmes through participating licensed financial institutions. AEP is infrastructure and scheme operator; this profile does not imply that it is the retail bank or issuer for every Jaywan card or the account provider behind each Aani user.