With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is mandatory for wallet apps.

With Australia’s financial ecosystem standardizing around 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
- Live consent dashboards

zngx — or zngx.io — is a compliance-embedded API platform that offers:

- Out-of-the-box compliance modules
- OAuth2 with PKCE + JWT-secured token handling
- Step-by-step CDR integration paths
- Partner support for new data recipients

Use cases where zngx’s CDR compliance stack fits:

- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- Financial dashboards with live balance checks
- Insurance scoring apps

Core API flow:

- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Log revocation reason

zngx stands apart via:

- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Change-logging across API versions

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:

- card issuing api australia Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- Consent scope management for complex app roles

Security and compliance features include:

- OAuth2.1 + PKCE
- Multi-region encrypted storage inside AU
- Data deletion APIs with webhook triggers

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:

- Developers who want control and clarity
- Banks testing CDR-compatible logic

Ready to go live?

- Read full audit templates
- 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.