With Australia’s financial ecosystem moving toward data transparency, building CDR compliance into your API is mandatory for embedded finance tools.
Consumer data interfaces must handle:
- Explicit and revocable consent management
- 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:
- CDR onboarding templates for fast setup
- Multi-tenant consent access layers
- Interactive dev console with consent testing
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Lending apps requiring proof of recurring income
- Budgeting tools visualizing cross-bank data
- Merchant systems that assess business cash flow
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill user token
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Sandbox with mock data from big four AU banks
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Airwallex: Enterprise-grade, but closed ecosystem
zngx delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Consent scope management for complex app roles
Security and compliance features include:
- OAuth2.1 + PKCE
- Multi-region encrypted storage inside AU
- Data deletion APIs with webhook triggers
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:
- Developers who want control and clarity
- Banks testing CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Export compliance artifacts directly
- payouts api australia Track logs, alerts, and revocations in console
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.