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
- Data minimization enforcement
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- Multi-tenant consent access layers
- Step-by-step CDR integration paths
- Partner support for new data recipients
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` → Trigger full data cleanup via webhook
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Ready-to-launch flow templates
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- Consent scope management for complex app roles
Security and compliance features include:
- Header trace IDs for logging
- Multi-region encrypted storage inside AU
- Rate limit headers based on CDR rules
Need to test?
- Generate CDR-compliant access keys
- Simulate user login journeys with mock banks
- 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:
- Enterprise fintechs upgrading infra
- Banks testing real time payment api australia CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Export compliance artifacts directly
- Switch to live banks via zero-downtime toggle
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.