As the Consumer Data Right (CDR) becomes a nationwide mandate, building CDR compliance into your API is not optional for embedded finance tools.

In a post-aggregation era of fintech, 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
- Multi-institutional data access
- Versioning with backward compatibility

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
- API-first consent flows with UI fallback

Use cases where zngx’s CDR compliance stack fits:

- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- SME platforms syncing account-level data
- 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
- Prebuilt webhook test kits

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:

- Token event tracking in real-time
- AU-specific error mapping and retry logic
- Multi-scope reconciliation engine

Security and compliance features include:

- Signed JWT tokens with exp, aud, iss claims
- Audit trail per consent ID
- Rate limit headers based on CDR rules

Need to test?

- Spin up sandbox in minutes
- Deploy test cases for expiry + real time payment api australia renewal
- Debug consent failures and edge cases

Already using non-compliant methods?

- Run dual mode until cutover is complete
- 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
- Use zngx for mock bank testing
- 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 with zngx.