As the Consumer Data Right (CDR) becomes a nationwide mandate, building CDR compliance into your API is mandatory for digital banks.
Open banking compliance endpoints must handle:
- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a AU-focused API platform that offers:
- CDR onboarding templates for fast setup
- Fine-grained token revocation and expiry logic
- Postman-ready sandbox with AU bank mocks
- Built-in data holder mapping tools
Use cases where zngx’s CDR compliance stack fits:
- Lending apps requiring proof of recurring income
- Consumer apps surfacing spending habits
- SME platforms syncing account-level data
- Subscription services checking payment readiness
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` → payment gateway australia api 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
- SDKs pre-built for Node, Python, Go
- Consent scope management for complex app roles
Security and compliance features include:
- Header trace IDs for logging
- Multi-region encrypted storage inside AU
- Rate limit headers based on CDR rules
Need to test?
- Generate CDR-compliant access keys
- Simulate user login journeys with mock banks
- Preload audit examples for compliance review
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
- 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.