As the Consumer Data Right (CDR) becomes regulator-backed, building CDR compliance into your API is a baseline requirement for wallet apps.

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

Open banking compliance endpoints must handle:

- Granular data access scopes
- Compliance-driven data segregation
- Multi-institutional data access
- Uptime and rate-limit SLAs

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:

- BNPL apps validating bank account history
- Personal finance apps mapping real-time expenses
- Financial dashboards with live balance checks
- Subscription services checking payment readiness

Core API flow:

- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Filter by time, merchant, category
- `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
- Change-logging across API versions

Compared to global players:

- Plaid: No CDR compliance, US-focused architecture
- Basiq: Basic access only, no embedded finance support
- Airwallex: Enterprise-grade, but closed ecosystem

zngx delivers:

- Token event tracking in real-time
- AU-specific error mapping and retry logic
- https://zngx.io/ 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
- Deploy test cases for expiry + renewal
- Debug consent failures and edge cases

Already using non-compliant methods?

- Run dual mode until cutover is complete
- Preserve user sessions with minimal friction

zngx helps:

- Developers who want control and clarity
- Platforms expanding into financial data flows

Ready to go live?

- Talk to our compliance engineering team
- Use zngx for mock bank testing
- Track logs, alerts, and revocations in console

zngx.io is the platform that understands AU open banking.

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