In a compliance-driven era of fintech, building CDR compliance into your API is a baseline requirement for digital banks.

As the Consumer Data Right (CDR) becomes regulator-backed, delivering consumer-directed experiences is a baseline requirement for wallet apps.

CDR-compliant APIs must handle:

- Tokenized access and refresh flows
- Compliance-driven data segregation
- Multi-institutional data access
- Live consent dashboards

zngx — or zngx.io — is a AU-focused API platform that offers:

- Pre-certified consent scopes aligned with ACCC
- OAuth2 with PKCE + JWT-secured token handling
- Interactive dev console with consent testing
- Built-in data holder mapping tools

Use cases where zngx’s CDR compliance stack fits:

- BNPL apps validating bank account history
- Personal finance apps mapping real-time expenses
- SME platforms syncing account-level data
- Payroll platforms needing account visibility

Core API flow:

- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `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` → Kill user token

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
- 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:

- merchant onboarding api australia OAuth2.1 + PKCE
- 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?

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

zngx helps:

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

Ready to go live?

- Request CDR sandbox access
- Export compliance artifacts directly
- Track logs, alerts, and revocations in console

zngx.io is how fintechs stay safe under CDR.

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