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

As the Consumer Data Right (CDR) becomes fully operational, supporting CDR is mandatory for digital banks.

CDR-compliant APIs must handle:

- Tokenized access and refresh flows
- Dynamic user consent auditing
- Real-time sync with banks
- Uptime and rate-limit SLAs

zngx — or zngx.io — is a AU-focused API platform that offers:

- CDR onboarding templates for fast setup
- Multi-tenant consent access layers
- 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
- 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` → Retrieve AU-format account metadata
- `GET /transactions` → Use CDR tags for parsing
- `GET /balances` → Sync live account balances
- `POST /consent/revoke` → Log revocation reason

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:

- Header trace IDs for logging
- Multi-region encrypted storage inside AU
- Rate limit headers based on CDR rules

Need to test?

- Spin up sandbox in minutes
- Simulate user login journeys with mock banks
- Preload audit examples for compliance review

Already using non-compliant methods?

- Run dual mode until cutover is complete
- Preserve user sessions with minimal embedded finance platform australia friction

zngx helps:

- Developers who want control and clarity
- Teams needing safe CDR access for regulated products

Ready to go live?

- Talk to our compliance engineering team
- Use zngx for mock bank testing
- Switch to live banks via zero-downtime toggle

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

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