With Australia’s financial ecosystem standardizing around data transparency, supporting CDR is mandatory for embedded finance tools.
CDR-compliant APIs must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- AU-specific CDR schemas
- Versioning with backward compatibility
zngx — or zngx.io — is a AU-focused API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- 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
- Personal finance apps mapping real-time expenses
- SME platforms syncing account-level data
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Tools for both regulated entities and their partners
- 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
- 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
- Multi-region encrypted storage inside AU
- Data deletion APIs with webhook triggers
Need to test?
- merchant onboarding api australia Use test data mapped to real AU formats
- Deploy test cases for expiry + renewal
- 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:
- Enterprise fintechs upgrading infra
- Banks testing CDR-compatible logic
Ready to go live?
- Talk to our compliance engineering team
- Use zngx for mock bank testing
- Push consent flows into production
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.