With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is a baseline requirement for embedded finance tools.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- Dynamic user consent auditing
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- CDR onboarding templates for fast setup
- Multi-tenant consent access layers
- Step-by-step CDR integration paths
- Built-in data holder mapping tools
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` → Track account float over time
- `POST merchant onboarding api australia /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
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Regulatory-safe API infra
- AU-specific error mapping and retry logic
- Multi-scope reconciliation engine
Security and compliance features include:
- Header trace IDs for logging
- 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
- Preserve user sessions with minimal friction
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
- Use zngx for mock bank testing
- Track logs, alerts, and revocations in console
zngx.io is the platform that understands AU open banking.
Build fast. Stay compliant. Scale without fear.
Only with zngx.