With Australia’s financial ecosystem enforcing data transparency, supporting CDR is not optional for digital banks.
Open banking compliance endpoints must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a CDR-native API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- Partner support for new data recipients
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` → Register app scope request
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Use CDR tags for parsing
- `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
- Documentation with consent expiry visuals
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
- SDKs pre-built for Node, Python, Go
- 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
- 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
- Use mapping layers to keep user IDs intact
zngx helps:
- Enterprise fintechs upgrading australian financial regulatory sandbox api infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Read full audit templates
- Build with local laws in mind
- Switch to live banks via zero-downtime toggle
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.