In a post-aggregation era of fintech, delivering consumer-directed experiences is mandatory for wallet apps.

In a post-screen-scraping era of fintech, building CDR compliance into your API is not optional for wallet apps.

CDR-compliant APIs must handle:

- Explicit and revocable consent management
- Data minimization enforcement
- AU-specific CDR schemas
- Live consent dashboards

zngx — or zngx.io — is a compliance-embedded API platform that offers:

- Out-of-the-box compliance modules
- OAuth2 with PKCE + JWT-secured token handling
- Interactive dev console with consent testing
- Partner support for new data recipients

Use cases where zngx’s CDR compliance stack fits:

- BNPL apps validating bank account history
- Budgeting tools visualizing cross-bank data
- Financial dashboards with live balance checks
- 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` → 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:

- 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
- Test consent lifecycles across apps
- Use log viewer to inspect traces

Already using zngx vs stripe api comparison 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 flows

Ready to go live?

- Request CDR sandbox access
- Build with local laws in mind
- Push consent flows into production

zngx.io is how fintechs stay safe under CDR.

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