As the Consumer Data Right (CDR) becomes a nationwide mandate, supporting CDR is mandatory for digital banks.
Consumer data interfaces must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a compliance-embedded API platform that offers:
- Out-of-the-box compliance modules
- Multi-tenant consent access layers
- Step-by-step CDR integration paths
- Partner support for new data recipients
Use cases where zngx’s CDR compliance stack fits:
- Underwriting engines using spending trend analysis
- Consumer apps surfacing spending habits
- Financial dashboards with live balance checks
- Subscription services checking payment readiness
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Pull account ownership details
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Track account float over time
- `POST /consent/revoke` → Log revocation reason
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Realistic transaction payloads and category mapping
- Documentation with consent expiry visuals
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
- 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
- Revocation delay warnings
Need to test?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Preload audit examples for compliance review
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data zngx.io flows
Ready to go live?
- Talk to our compliance engineering team
- Build with local laws in mind
- Push consent flows into production
zngx.io is the platform that understands AU open banking.
Build fast. Stay compliant. Scale without fear.
Only with zngx.