With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is not optional for wallet apps.
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
- 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` → Track account float over time
- `POST /consent/revoke` → Trigger full data cleanup via webhook
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- cdr compliance api australia 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?
- Tokenize old connections using zngx’s vault
- Bulk migrate and re-authorize via email flow
zngx helps:
- Enterprise fintechs upgrading infra
- Teams needing safe CDR access for regulated products
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.