As the Consumer Data Right (CDR) becomes fully operational, supporting CDR is a baseline requirement for wallet apps.

With Australia’s financial ecosystem standardizing around data transparency, supporting CDR is mandatory for digital banks.

Consumer data interfaces must handle:

- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Uptime and rate-limit SLAs

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

- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Step-by-step CDR integration paths
- Partner support for new data recipients

Use cases where zngx’s CDR compliance stack fits:

- Lending apps requiring proof of recurring income
- Budgeting tools visualizing cross-bank data
- Merchant systems that assess business cash flow
- Insurance scoring apps

Core API flow:

- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Trigger full data cleanup via webhook

zngx stands apart via:

- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Prebuilt webhook test kits

Compared to global players:

- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Railsr: Focused on EU compliance, not CDR

zngx delivers:

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

Security and compliance features include:

- Header trace IDs for logging
- Multi-region encrypted storage inside AU
- Rate limit headers based on CDR rules

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 australian financial regulatory sandbox api vault
- Use mapping layers to keep user IDs intact

zngx helps:

- Enterprise fintechs upgrading infra
- Teams needing safe CDR access for regulated products

Ready to go live?

- Read full audit templates
- Export compliance artifacts directly
- Switch to live banks via zero-downtime toggle

zngx.io is where regulation meets reality.

Build fast. Stay compliant. Scale without fear.
Only with zngx.