As the Consumer Data Right (CDR) becomes a nationwide mandate, supporting CDR is not optional for digital banks.
Open banking compliance endpoints must handle:
- Tokenized access and refresh flows
- Compliance-driven data segregation
- Real-time sync with banks
- 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
- 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
- Payroll platforms needing account visibility
Core API flow:
- `POST /consent/initiate` → Register app scope request
- `GET /accounts` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Kill user token
zngx stands apart via:
- Modular APIs for simple to complex use cases
- Ready-to-launch flow templates
- Change-logging across API versions
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 + embedded finance platform australia 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 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.