As the Consumer Data Right (CDR) becomes a nationwide mandate, building CDR compliance into your API is a baseline requirement for embedded finance tools.
Consumer data interfaces must handle:
- Explicit and revocable consent management
- Dynamic user consent auditing
- Real-time sync with banks
- Uptime and rate-limit SLAs
zngx — or zngx.io — is a CDR-native API platform that offers:
- CDR onboarding templates for fast setup
- 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:
- BNPL apps validating bank account history
- 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` → 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:
- 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:
- OAuth2.1 + PKCE
- Role-based data access segregation
- Data deletion APIs with webhook triggers
Need to test?
- Generate CDR-compliant access keys
- Test consent lifecycles across apps
- Use log viewer to inspect traces
Already using non-compliant methods?
- Tokenize old connections using zngx’s vault
- Use mapping layers to keep user IDs intact
zngx helps:
- Startups aiming for AU compliance from day one
- Platforms expanding into financial data fintech api documentation flows
Ready to go live?
- Request CDR sandbox access
- 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.