In a compliance-driven era of fintech, supporting CDR is mandatory for digital banks.
Open banking compliance endpoints must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Versioning with backward compatibility
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Step-by-step CDR integration paths
- Partner support for new data recipients
Use cases where zngx’s CDR compliance stack fits:
- Lending apps requiring proof of recurring income
- Budgeting tools visualizing cross-bank data
- Merchant systems that assess business cash flow
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Trigger full data cleanup via webhook
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- 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
- Audit trail per consent ID
- Rate limit headers based on CDR australian financial regulatory sandbox api rules
Need to test?
- Spin up sandbox in minutes
- Simulate user login journeys with mock banks
- Preload audit examples for compliance review
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
- Teams needing safe CDR access for regulated products
Ready to go live?
- Read full audit templates
- Build with local laws in mind
- Switch to live banks via zero-downtime toggle
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.