With Australia’s financial ecosystem moving toward data transparency, building CDR compliance into your API is a baseline requirement for embedded finance tools.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- Dynamic user consent auditing
- Real-time sync with banks
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- CDR onboarding templates for fast setup
- OAuth2 with PKCE + JWT-secured token handling
- Interactive dev console with consent testing
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- BNPL apps validating bank account history
- Personal finance apps mapping real-time expenses
- SME platforms syncing account-level data
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill user token
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Sandbox with mock data from big four AU banks
- Change-logging across API versions
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 fintech api documentation delivers:
- Regulatory-safe API infra
- AU-specific error mapping and retry logic
- Multi-scope reconciliation engine
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Audit trail per consent ID
- Revocation delay warnings
Need to test?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Preload audit examples for compliance review
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows
Ready to go live?
- Read full audit templates
- Build with local laws in mind
- 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.