With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is mandatory for wallet apps.

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

CDR-compliant APIs must handle:

- Explicit and revocable consent management
- Dynamic user consent auditing
- Real-time sync with banks
- Uptime and rate-limit SLAs

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

- Pre-certified consent scopes aligned with ACCC
- OAuth2 with PKCE + JWT-secured token handling
- Step-by-step CDR integration paths
- 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` → Register app scope request
- `GET /accounts` → Fetch live bank accounts tied to user
- `GET /transactions` → Filter by time, merchant, category
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Kill user token

zngx stands apart via:

- Tools for both regulated entities and their partners
- Ready-to-launch flow templates
- Prebuilt webhook test kits

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
- Test consent lifecycles across apps
- Use log viewer to inspect traces

Already using non-compliant methods?

- Tokenize old connections using zngx’s banking as a service api australia 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
- Export compliance artifacts directly
- Push consent flows into production

zngx.io is how fintechs stay safe under CDR.

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