In a compliance-driven era of fintech, supporting CDR is not optional for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- 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
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Sandbox with mock data from big four AU banks
- Change-logging across API versions
Compared to global players:
- Plaid: No CDR aml reporting api australia compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Automatic refresh token control
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Audit trail per consent ID
- Revocation delay warnings
Need to test?
- Use test data mapped to real AU formats
- 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?
- Read full audit templates
- 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.