With Australia’s financial ecosystem standardizing around data transparency, supporting CDR is a baseline requirement for wallet apps.

As the Consumer Data Right (CDR) becomes regulator-backed, 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 compliance-embedded API platform that offers:

- Out-of-the-box compliance modules
- OAuth2 with PKCE + JWT-secured token handling
- Step-by-step CDR integration paths
- 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
- SME platforms syncing account-level data
- Insurance scoring apps

Core API flow:

- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Access full bank transaction history
- `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
- 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: Focused on EU compliance, not CDR

zngx delivers:

- Regulatory-safe API infra
- SDKs pre-built for Node, Python, Go
- 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
- Preload audit examples for compliance review

Already using non-compliant methods?

- Run dual mode until cutover is complete
- Preserve user australian financial regulatory sandbox api sessions with minimal friction

zngx helps:

- Developers who want control and clarity
- Banks testing CDR-compatible logic

Ready to go live?

- Read full audit templates
- Use zngx for mock bank testing
- Switch to live banks via zero-downtime toggle

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

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