In a post-aggregation 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
- Dynamic user consent auditing
- AU-specific CDR schemas
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a AU-focused API platform that offers:
- CDR onboarding templates for fast setup
- Fine-grained token revocation and expiry logic
- 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` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Use CDR tags aml reporting api australia for parsing
- `GET /balances` → Track account float over time
- `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:
- 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
- AU-specific error mapping and retry logic
- Consent scope management for complex app roles
Security and compliance features include:
- OAuth2.1 + PKCE
- Role-based data access segregation
- Data deletion APIs with webhook triggers
Need to test?
- Use test data mapped to real AU formats
- Test consent lifecycles across apps
- Use log viewer to inspect traces
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Banks testing CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Build with local laws in mind
- Track logs, alerts, and revocations in console
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.