With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is mandatory for wallet apps.

As the Consumer Data Right (CDR) becomes fully operational, building CDR compliance into your API is a baseline requirement for embedded finance tools.

Consumer data interfaces must handle:

- Granular data access scopes
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards

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
- Interactive dev console with consent testing
- 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
- Merchant systems that assess business cash flow
- Subscription services checking payment readiness

Core API flow:

- `POST /consent/initiate` → Begin user-authored access session
- `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` → Log revocation reason

zngx stands apart via:

- Modular APIs for simple to complex use cases
- Sandbox with mock data from big four AU banks
- 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:

- Audit-ready endpoint logs
- Postman + Swagger for rapid testing
- 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
- 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
- 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 australian financial regulatory sandbox api zero-downtime toggle

zngx.io is the platform that understands AU open banking.

Build fast. Stay compliant. Scale without fear.
Only with zngx.