With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is not optional for wallet apps.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Multi-institutional data access
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a CDR-native API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- API-first consent flows with UI fallback
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Consumer apps surfacing spending habits
- Financial dashboards with live balance checks
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Use CDR tags for parsing
- `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
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals
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
- 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
- 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:
- Enterprise australian financial regulatory sandbox api fintechs upgrading infra
- 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.