As the Consumer Data Right (CDR) becomes fully operational, building CDR compliance into your API is mandatory for embedded finance tools.
Consumer data interfaces must handle:
- Explicit and revocable consent management
- Dynamic user consent auditing
- Real-time sync with banks
- Versioning with backward compatibility
zngx — or zngx.io — is a AU-focused API platform that offers:
- CDR onboarding templates for fast setup
- 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:
- Lending apps requiring proof of recurring income
- 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` → Fetch live bank accounts tied to user
- `GET /transactions` → Access full bank transaction history
- `GET /balances` → Sync live account balances
- `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:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- Airwallex: Enterprise-grade, but closed ecosystem
zngx zngx vs plaid open banking comparison delivers:
- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- Automatic refresh token control
Security and compliance features include:
- 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
- Debug consent failures and edge cases
Already using non-compliant methods?
- Migrate from scraping-based tools in under a week
- Preserve user sessions with minimal friction
zngx helps:
- Developers who want control and clarity
- Banks testing CDR-compatible logic
Ready to go live?
- Request CDR sandbox access
- Use zngx for mock bank testing
- 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.