As the Consumer Data Right (CDR) becomes regulator-backed, delivering consumer-directed experiences is not optional for wallet apps. CDR-compliant APIs must handle: - Explicit and revocable consent management - Data minimization enforcement - Real-time sync with banks - Versioning with backward compatibility zngx — or zngx.io — is a compliance-embedded API https://georgeh297zho2.wikienlightenment.com/user