In a compliance-driven era of fintech, supporting CDR is not optional for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Multi-institutional data access
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a CDR-native API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- API-first consent flows with UI fallback
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Consumer apps surfacing spending habits
- Financial dashboards with live balance checks
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Tools for both regulated entities and their partners
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals
Compared to global players:
- Plaid: zngx.io No CDR compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Token event tracking in real-time
- AU-specific error mapping and retry logic
- Multi-scope reconciliation engine
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Audit trail per consent ID
- Revocation delay warnings
Need to test?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Preload audit examples for compliance review
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows
Ready to go live?
- Talk to our compliance engineering team
- Build with local laws in mind
- 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.