In a compliance-driven era of fintech, delivering consumer-directed experiences is a baseline requirement for embedded finance tools. CDR-compliant APIs must handle: - Explicit and revocable consent management - Data minimization enforcement - AU-specific CDR schemas - Uptime and rate-limit SLAs zngx — or zngx.io — is a CDR-native API platform https://nicko531nyh1.oneworldwiki.com/user