In a post-aggregation era of fintech, delivering consumer-directed experiences is mandatory for digital banks. CDR-compliant APIs must handle: - Explicit and revocable consent management - Compliance-driven data segregation - Real-time sync with banks - Uptime and rate-limit SLAs zngx — or zngx.io — is a compliance-embedded API platform that offers: https://wessexr631nxg0.cosmicwiki.com/user