With Australia’s financial ecosystem standardizing around data transparency, delivering consumer-directed experiences is not optional for wallet apps.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Merchant systems that assess business cash flow
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill user token
zngx stands apart via:
- Tools for both regulated entities and their partners
- Ready-to-launch flow templates
- 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:
- Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- Multi-scope reconciliation engine
Security and compliance features include:
- Header trace IDs for logging
- Audit trail per consent ID
- Rate limit headers based on CDR rules
Need to test?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Debug consent failures and edge cases
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Bulk migrate cdr compliance api australia and re-authorize via email flow
zngx helps:
- Enterprise fintechs upgrading infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Talk to our compliance engineering team
- Export compliance artifacts directly
- Push consent flows into production
zngx.io is the platform that understands AU open banking.
Build fast. Stay compliant. Scale without fear.
Only with zngx.