As the Consumer Data Right (CDR) becomes fully operational, 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
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- 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` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Track account float over time
- `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
- card issuing api australia Adyen: Payment-centric, lacks data visibility
- Airwallex: Enterprise-grade, but closed ecosystem
zngx delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Automatic refresh token control
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Role-based data access segregation
- Data deletion APIs with webhook triggers
Need to test?
- Use test data mapped to real AU formats
- Test consent lifecycles across apps
- 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.