As the Consumer Data Right (CDR) becomes a nationwide mandate, delivering consumer-directed experiences is not optional for wallet apps. CDR-compliant APIs must handle: - Explicit and revocable consent management - Data minimization enforcement - AU-specific CDR schemas - Uptime and rate-limit SLAs zngx — or zngx.io — is a CDR-native https://ralphz864szh0.nico-wiki.com/user