In a post-screen-scraping era of fintech, delivering consumer-directed experiences is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Interactive dev console with consent testing
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Merchant systems that assess business cash flow
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Sandbox with mock data from big zngx vs plaid open banking comparison four AU banks
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- Multi-scope reconciliation engine
Security and compliance features include:
- Header trace IDs for logging
- Multi-region encrypted storage inside AU
- Rate limit headers based on CDR rules
Need to test?
- Generate CDR-compliant access keys
- 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:
- Startups aiming for AU compliance from day one
- Banks testing CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Build with local laws in mind
- Track logs, alerts, and revocations in console
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.