In a compliance-driven era of fintech, delivering consumer-directed experiences is mandatory for embedded finance tools.

With Australia’s financial ecosystem moving toward data transparency, building CDR compliance into your API is mandatory for digital banks.

Open banking compliance endpoints must handle:

- Granular data access scopes
- Compliance-driven data segregation
- Real-time sync with banks
- Versioning with backward compatibility

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
- API-first consent flows with UI fallback

Use cases where zngx’s CDR compliance stack fits:

- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- SME platforms syncing account-level data
- Insurance scoring apps

Core API flow:

- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` payment gateway australia api → Fetch end-of-day and available balance
- `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
- Documentation with consent expiry visuals

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
- Automatic refresh token control

Security and compliance features include:

- Signed JWT tokens with exp, aud, iss claims
- Audit trail per consent ID
- Revocation delay warnings

Need to test?

- Use test data mapped to real AU formats
- Deploy test cases for expiry + renewal
- Debug consent failures and edge cases

Already using non-compliant methods?

- Migrate from scraping-based tools in under a week
- Bulk migrate and re-authorize via email flow

zngx helps:

- Enterprise fintechs upgrading infra
- Platforms expanding into financial data flows

Ready to go live?

- Talk to our compliance engineering team
- Export compliance artifacts directly
- Push consent flows into production

zngx.io is the platform that understands AU open banking.

Build fast. Stay compliant. Scale without fear.
Only with zngx.