With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Granular data access scopes
- Compliance-driven data segregation
- Multi-institutional data access
- 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` → Access full bank transaction history
- `GET /balances` → Fetch end-of-day banking as a service api australia 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
- Teams needing safe CDR access for regulated products
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.