With Australia’s financial ecosystem moving toward data transparency, delivering consumer-directed experiences is a baseline requirement for wallet apps.
CDR-compliant APIs must handle:
- Tokenized access and refresh flows
- Dynamic user consent auditing
- Multi-institutional data access
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- OAuth2 with PKCE + JWT-secured token handling
- Interactive dev console with consent testing
- API-first consent flows with UI fallback
Use cases where zngx’s CDR compliance stack fits:
- BNPL apps validating bank account history
- Personal finance apps mapping real-time expenses
- SME platforms syncing account-level data
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` embedded finance platform australia → Log revocation reason
zngx stands apart via:
- Tools for both regulated entities and their partners
- 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
- 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?
- 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
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows
Ready to go live?
- Read full audit templates
- Build with local laws in mind
- 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.