As the Consumer Data Right (CDR) becomes regulator-backed, supporting CDR is a baseline requirement for digital banks.

In a compliance-driven era of fintech, supporting CDR is not optional for wallet apps.

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 AU-focused API platform that offers:

- CDR onboarding templates for fast setup
- Fine-grained token revocation and expiry logic
- Interactive dev console with consent testing
- Built-in data holder mapping tools

Use cases where zngx’s CDR compliance stack fits:

- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Merchant systems that assess business cash flow
- Payroll platforms needing account visibility

Core API flow:

- `POST /consent/initiate` → Begin user-authored access session
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason

zngx stands apart via:

- Modular APIs for simple to complex use cases
- Sandbox with mock data from big four AU banks
- Change-logging across API versions

Compared to global players:

- Plaid: No CDR compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Railsr: identity verification api australia 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
- Multi-region encrypted storage inside AU
- 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:

- Startups aiming for AU compliance from day one
- Banks testing CDR-compatible logic

Ready to go live?

- Request CDR sandbox access
- 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.