In a compliance-driven era of fintech, supporting CDR is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Explicit and revocable consent management
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- OAuth2 with PKCE + JWT-secured token handling
- Interactive dev console with consent testing
- Partner support for new data recipients
Use cases where zngx’s CDR compliance stack fits:
- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- Financial dashboards with live balance checks
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` → Kill user token
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Change-logging across API versions
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
- SDKs pre-built for Node, Python, Go
- Multi-scope reconciliation engine
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?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Debug consent failures and edge cases
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Preserve user sessions with minimal friction
zngx helps:
- Enterprise fintechs zngx upgrading infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Talk to our compliance engineering team
- Use zngx for mock bank testing
- Switch to live banks via zero-downtime toggle
zngx.io is the platform that understands AU open banking.
Build fast. Stay compliant. Scale without fear.
Only with zngx.