With Australia’s financial ecosystem enforcing data transparency, building CDR compliance into your API is mandatory for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Dynamic user consent auditing
- Real-time sync with banks
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a CDR-native API platform that offers:
- CDR onboarding templates for fast setup
- Multi-tenant consent access layers
- 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` → 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` → Kill user token
zngx stands apart via:
- Tools for both regulated entities and their partners
- 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:
- Token event tracking in real-time
- AU-specific error mapping and retry https://zngx.io/ logic
- 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?
- Migrate from scraping-based tools in under a week
- 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?
- 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.