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:
- Explicit and revocable consent management
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- 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 payment api for hospitality australia /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
- Multi-scope reconciliation engine
Security and compliance features include:
- Header trace IDs for logging
- Audit trail per consent ID
- Rate limit headers based on CDR rules
Need to test?
- Spin up sandbox in minutes
- Simulate user login journeys with mock banks
- Preload audit examples for compliance review
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Preserve user sessions with minimal friction
zngx helps:
- Developers who want control and clarity
- Banks testing CDR-compatible logic
Ready to go live?
- Read full audit templates
- Use zngx for mock bank testing
- Track logs, alerts, and revocations in console
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.