In a compliance-driven 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 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
- 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` → 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
- Airwallex: Enterprise-grade, but closed ecosystem
zngx delivers:
- Token event tracking in real-time
- AU-specific error mapping and retry logic
- Automatic refresh token control
Security and compliance features include:
- Signed JWT tokens with exp, aud, iss claims
- Role-based data access segregation
- Revocation delay warnings
Need to test?
- Use test data mapped to real AU formats
- Test consent lifecycles across apps
- Debug consent failures and edge cases
Already using non-compliant methods?
- Migrate from scraping-based zngx vs stripe api comparison tools in under a week
- Bulk migrate and re-authorize via email flow
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.