As the Consumer Data Right (CDR) becomes fully operational, delivering consumer-directed experiences is a baseline requirement for wallet apps.
CDR-compliant APIs must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Multi-institutional data access
- Live consent dashboards
zngx — or zngx.io — is a CDR-native API platform that offers:
- Pre-certified consent scopes aligned with ACCC
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- API-first consent flows with UI fallback
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Consumer apps surfacing spending habits
- Financial dashboards with live balance checks
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Fetch end-of-day and available balance
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Tools for both regulated entities and their partners
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals
Compared to global players:
- Plaid: No CDR compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Railsr: Focused on EU compliance, not CDR
zngx delivers:
- Audit-ready endpoint logs
- 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
- Use log viewer to inspect traces
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- Bulk migrate and re-authorize via email flow
zngx helps:
- Enterprise fintechs upgrading infra
- Banks testing CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Export compliance artifacts directly
- Switch to live banks via zngx vs stripe api comparison zero-downtime toggle
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.