In a post-screen-scraping era of fintech, building CDR compliance into your API is mandatory for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a CDR-native API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- Multi-tenant consent access layers
- Postman-ready sandbox with AU bank mocks
- API-first consent flows with UI fallback
Use cases where zngx’s CDR compliance stack fits:
- Lending apps requiring proof of recurring income
- Consumer apps surfacing spending habits
- Merchant systems that assess business cash flow
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Modular APIs for simple to complex use cases
- building a digital wallet with api australia 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:
- Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- Consent scope management for complex app roles
Security and compliance features include:
- OAuth2.1 + PKCE
- 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
- Preload audit examples for compliance review
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- 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
- Build with local laws in mind
- Push consent flows into production
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.