In a post-aggregation era of fintech, supporting CDR is mandatory for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Dynamic user consent auditing
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- OAuth2 with PKCE + JWT-secured token handling
- Step-by-step CDR integration paths
- Partner support for new data recipients
Use cases where zngx’s CDR compliance stack fits:
- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- Financial dashboards with live balance checks
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Sandbox with mock data from big four AU banks
- Change-logging across API versions
Compared to global players:
- Plaid: No CDR compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Automatic refresh token control
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Role-based data access segregation
- Revocation delay warnings
Need to test?
- Use test data mapped to real AU formats
- Test consent lifecycles across apps
- Use log viewer to inspect traces
Already using non-compliant methods?
- Migrate from scraping-based tools in under a week
- Bulk migrate and re-authorize via email flow
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows
Ready to go live?
- Request CDR sandbox access
- Export compliance artifacts building a digital wallet with api australia directly
- Push consent flows into production
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.