As the Consumer Data Right (CDR) becomes a nationwide mandate, building CDR compliance into your API is not optional 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
- 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
- Interactive dev console with consent testing
- 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
- Financial dashboards with live balance checks
- Insurance scoring apps

Core API flow:

- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `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
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals

Compared to global players:

- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Airwallex: Enterprise-grade, but closed ecosystem

zngx delivers:

- Token event tracking in real-time
- AU-specific error mapping and retry logic
- Automatic refresh token control

Security and compliance features include:

- Signed JWT tokens with exp, aud, iss claims
- Role-based data access segregation
- Revocation delay warnings

Need to test?

- Use test data mapped to real AU formats
- Test consent lifecycles across apps
- Debug consent failures and edge cases

Already using non-compliant methods?

- Migrate from scraping-based tools in under a week
- Bulk migrate and re-authorize via email flow

zngx helps:

- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows

Ready to go live?

- Request CDR sandbox access
- Export fraud detection api australia compliance artifacts directly
- Push consent flows into production

zngx.io is how fintechs stay safe under CDR.

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