As the Consumer Data Right (CDR) becomes fully operational, delivering consumer-directed experiences is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Granular data access scopes
- Compliance-driven data segregation
- Multi-institutional data access
- Live consent dashboards
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
- Step-by-step CDR integration paths
- 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` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Trigger full data cleanup via webhook
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Realistic transaction payloads and category mapping
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Airwallex: Enterprise-grade, but closed ecosystem
zngx delivers:
- Token event tracking in real-time
- AU-specific error mapping and retry logic
- 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
- 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 upgrading infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Talk to our compliance engineering australian financial regulatory sandbox api 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.