As the Consumer Data Right (CDR) becomes fully operational, building CDR compliance into your API is not optional for embedded finance tools.

In a post-aggregation era of fintech, building CDR compliance into your API is mandatory for digital banks.

Open banking compliance endpoints must handle:

- Tokenized access and refresh flows
- Dynamic user consent auditing
- 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:

- Underwriting engines using spending trend analysis
- Personal finance apps mapping real-time expenses
- Financial dashboards with live balance checks
- Payroll platforms needing account visibility

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` → Kill user token

zngx stands apart via:

- Tools for both regulated entities and their partners
- Ready-to-launch flow templates
- 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
- Multi-scope reconciliation engine

Security and compliance features include:

- Header trace IDs for logging
- 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?

- Migrate from scraping-based tools in under a week
- Bulk migrate and re-authorize via email flow

zngx helps:

- Enterprise fintechs upgrading infra
- Platforms expanding into financial zngx.io data flows

Ready to go live?

- Talk to our compliance engineering team
- 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.