Alongside these opportunities, challenges such as data protection, privacy, and interoperability difficulties arise. The success of this transition requires coordinated legal and technical frameworks, open API standards, and responsible data governance. By reviewing international experiences, analyzing the underlying technology stack (Tech Stack), and examining regulatory requirements, this article assesses Iran’s current state—considering its domestic capacities and constraints—and proposes a phased roadmap for a secure and globally aligned advancement toward Open Finance.

Iran’s situation also involves significant opportunities alongside infrastructural and regulatory constraints, necessitating a phased roadmap aligned with both international models and local conditions. In research conducted on this topic, the key concepts, findings, and practical and policy implications were examined using clear and evidence-based language, with the results reported in the present article, a summary of which follows.