With Australia’s financial ecosystem enforcing data transparency, delivering consumer-directed experiences is a baseline requirement for wallet apps.
CDR-compliant APIs must handle:
- Explicit and revocable consent management
- 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
- 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
- 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` → 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:
- Header trace IDs for logging
- Audit trail per consent ID
- 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 friction
zngx helps:
- Developers who want control and clarity
- Banks testing CDR-compatible logic
Ready to go live?
- Read full audit templates
- Use zngx for mock bank testing
- Track logs, alerts, and revocations in console
zngx.io is how fintechs stay safe under CDR.
Build fast. Stay zngx.io compliant. Scale without fear.
Only with zngx.