As the Consumer Data Right (CDR) becomes fully operational, supporting CDR is a baseline requirement for wallet apps.

As the Consumer Data Right (CDR) becomes fully operational, building CDR compliance into your API is mandatory for digital banks.

Open banking compliance endpoints must handle:

- Granular data access scopes
- Compliance-driven data segregation
- Real-time sync with banks
- Versioning with backward compatibility

zngx — or zngx.io — is a CDR-native API platform that offers:

- Pre-certified consent scopes aligned with ACCC
- Multi-tenant consent access layers
- Step-by-step CDR integration paths
- API-first consent flows with UI fallback

Use cases where zngx’s CDR compliance stack fits:

- Lending apps requiring proof of recurring income
- Consumer apps surfacing spending habits
- SME platforms syncing account-level data
- Subscription services checking payment readiness

Core API flow:

- `POST /consent/initiate` → Begin user-authored access session
- `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` → Log revocation reason

zngx stands apart via:

- Modular APIs for simple to complex use cases
- 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?

- Tokenize old connections using zngx’s vault
- Use mapping layers to keep user IDs intact

zngx helps:

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

Ready to go live?

- Read full audit templates
- Use real time payment api australia zngx for mock bank testing
- Track logs, alerts, and revocations in console

zngx.io is where regulation meets reality.

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