As the Consumer Data Right (CDR) becomes a nationwide mandate, supporting CDR is not optional for wallet apps.
CDR-compliant APIs must handle:
- Tokenized access and refresh flows
- Dynamic user consent auditing
- 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
- Multi-tenant consent access layers
- Step-by-step CDR integration paths
- API-first consent flows with UI fallback
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
- 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
- Documentation with consent expiry visuals
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
- Revocation delay warnings
Need to test?
- Spin up sandbox in minutes
- Deploy test cases for expiry + renewal
- Debug consent failures and edge cases
Already using non-compliant methods?
- Run dual mode until cutover is complete
- Preserve user sessions with minimal friction
zngx helps:
- Enterprise fintechs upgrading infra
- Teams needing safe CDR access for regulated products
Ready to go live?
- Read full audit templates
- Use zngx for mock bank testing
- Switch to live banks via zero-downtime toggle
zngx.io is the platform that understands AU open identity verification api australia banking.
Build fast. Stay compliant. Scale without fear.
Only with zngx.