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 - Compliance-driven data segregation - AU-specific CDR schemas - Uptime and rate-limit SLAs zngx — or zngx.io — is a CDR-native API platform https://kabiru527tsr3.wikicorrespondence.com/user