UAE Ministry of Finance Adopts Aani and Jaywan for Federal Fees

The UAE Ministry of Finance has added Aani and Jaywan to the channels it uses to collect federal service fees and fines. The ministry is the first federal entity to implement either platform.

Cabinet Resolution No. 176M/4M of 2026 backs the rollout. The resolution establishes the adoption of the two national platforms and fixes the usage fees that apply to them, giving the change a clear legal basis.

The initiative is part of a wider effort to modernise how the state collects revenue. It also draws federal payments deeper into the national payments infrastructure, which the Central Bank of the UAE oversees. Aani itself was developed under the central bank's supervision, and Jaywan is a national scheme; both sit inside that supervised ecosystem.

Aani operates as an instant payment platform. It transfers funds and settles them around the clock — nights, weekends, and holidays included. A payer can complete a transaction using a mobile number, Emirates ID, email address, QR code, or International Bank Account Number. The identifiers exist to remove friction: no full account or card details need to be keyed in when a payment is made. Settlement is immediate, which suits both small fees and larger transfers.

For the ministry, the speed is the point. Fees and fines paid through Aani land in government accounts immediately rather than after a clearing cycle. That gives officials faster visibility of incoming revenue — a meaningful change for a collector processing payments at federal scale.

Jaywan is the second system, and it works as the UAE's domestic card scheme. It keeps transaction processing inside the local financial ecosystem. That lowers operating costs and reduces reliance on international card networks, since funds no longer have to travel through foreign schemes for clearance. Running payments domestically also shortens the chain of intermediaries between the payer and the government.

Younis Haji AlKhoori, Undersecretary of the Ministry of Finance, said the adoption of the two systems contributes directly to sustainable financial flows and lower transaction operating costs. He said the ministry will continue to apply the latest financial technologies in the delivery of government services, with the aim of exceeding customer expectations.

The strategic weight of the move goes beyond the payment counter. Routing federal collections through Aani and Jaywan places public money on rails the central bank supervises, and it narrows the role international schemes play in government revenue. The cabinet resolution puts the two platforms on a formal legal footing, with usage fees built into the arrangement so they operate as part of the state's machinery rather than as a one-off pilot. There is a signal in that. Domestic infrastructure is becoming the default channel for public money in the UAE, and for a country building out its own digital payment rails, routing the state's own revenue through them is a concrete endorsement that other ministries can be expected to follow.