In a post-aggregation era of fintech, supporting CDR is not optional for wallet apps.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- Data minimization enforcement
- AU-specific CDR schemas
- 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:
- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- Financial dashboards with live balance checks
- Insurance scoring apps
Core API flow:
- `POST /consent/initiate` → Trigger redirect to CDR login screen
- `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` → Trigger full data cleanup via webhook
zngx stands apart via:
- Full support for Data Holder and Recipient modes
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals
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 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?
- Generate CDR-compliant access keys
- Test consent lifecycles across apps
- Use log viewer to inspect traces
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- Bulk migrate and re-authorize via email flow
zngx helps:
- Enterprise fintechs upgrading infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Talk to our compliance engineering team
- Export compliance artifacts directly
- 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 zngx with zngx.