As the Consumer Data Right (CDR) becomes fully operational, building CDR compliance into your API is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards
zngx — or zngx.io — is a AU-focused API platform that offers:
- Out-of-the-box compliance modules
- Fine-grained token revocation and expiry logic
- Interactive dev console with consent testing
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Merchant systems that assess business cash flow
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Track open banking api australia account float over time
- `POST /consent/revoke` → Trigger full data cleanup via webhook
zngx stands apart via:
- Tools for both regulated entities and their partners
- Realistic transaction payloads and category mapping
- Prebuilt webhook test kits
Compared to global players:
- TrueLayer: UK-based data structures, limited AU roll-out
- Adyen: Payment-centric, lacks data visibility
- 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?
- Tokenize old connections using zngx’s vault
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data flows
Ready to go live?
- Request CDR sandbox access
- Build with local laws in mind
- Push consent flows into production
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay compliant. Scale without fear.
Only with zngx.