As the Consumer Data Right (CDR) becomes a nationwide mandate, supporting CDR is not optional for wallet apps.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- Data minimization enforcement
- Multi-institutional data access
- Live consent dashboards
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- OAuth2 with PKCE + JWT-secured token handling
- Step-by-step CDR integration paths
- Partner support for new data recipients
Use cases where zngx’s CDR compliance stack fits:
- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- SME platforms syncing account-level data
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` → Trigger full data cleanup via webhook
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Sandbox with mock data from big four AU banks
- Documentation with consent expiry visuals
Compared to global players:
- Plaid: No CDR compliance, US-focused architecture
- Basiq: Basic access only, no payouts api australia embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Consent scope management for complex app roles
Security and compliance features include:
- OAuth2.1 + PKCE
- Role-based data access segregation
- Data deletion APIs with webhook triggers
Need to test?
- Generate CDR-compliant access keys
- Simulate user login journeys with mock banks
- Use log viewer to inspect traces
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- Use mapping layers to keep user IDs intact
zngx helps:
- Developers who want control and clarity
- Banks testing CDR-compatible logic
Ready to go live?
- Read full audit templates
- Build with local laws in mind
- Track logs, alerts, and revocations in console
zngx.io is where regulation meets reality.
Build fast. Stay compliant. Scale without fear.
Only with zngx.