In a post-screen-scraping era of fintech, supporting CDR is not optional for wallet apps.
CDR-compliant APIs must handle:
- Tokenized access and refresh flows
- Dynamic user consent auditing
- Real-time sync with banks
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a AU-focused API platform that offers:
- CDR onboarding templates for fast setup
- Multi-tenant consent access layers
- Postman-ready sandbox with AU bank mocks
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Merchant systems that assess business cash flow
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill real time payment api australia 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
- Preload audit examples for compliance review
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 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.