As the Consumer Data Right (CDR) becomes regulator-backed, supporting CDR is a baseline requirement for digital banks.

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

Consumer data interfaces must handle:

- Tokenized access and refresh flows
- Compliance-driven data segregation
- 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
- 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:

- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Financial dashboards with live balance checks
- Payroll platforms needing account visibility

Core API flow:

- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill user token

zngx stands apart via:

- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Change-logging across API versions

Compared to real time payment api australia 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:

- 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
- Preload audit examples for compliance review

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
- 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.