In today’s API-first economy, the concept of embedded finance is no longer niche.
Whether you're building a digital wallet, integrating real-time money flow is now a strategic must.
And in Australia, there’s one platform engineered to simplify financial logic:
**zngx.io**.
What makes embedded different from traditional gateways?
Traditional payment platforms like Stripe or Square:
- Keep the financial layer external
- Treat all merchants as identical
- Lack regulatory flexibility in AU
But with ZNGX:
- You define payout logic
- Build full financial layers inside your own stack
- Go live with AU-compliant infra in days
Use cases include:
- Marketplaces with dynamic escrow rules
- Retail SaaS apps with built-in POS and wallet modules
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Modular SDKs in every major language
- KYB flows with ABN/ACN, AUSTRAC checks
- Programmable fund flows
- Payout engine supporting NPP
- Fully configurable triggers and hooks
Rather than being “just another merchant”, ZNGX lets you:
- Design your own settlement hierarchy
- Create new revenue streams
- Launch regulated flows fast
Security and compliance:
- Tokenized card storage
- Audit logging on every call
- Real-time transaction logging
ZNGX powers:
- Multi-vendor commerce
- On-demand services
- Retail with embedded checkout finance
Example API flow:
- `POST /onboard` → Provision merchant, run AML/KYC
- `POST /wallets` → Enable KYC tiering
- `POST /transactions` → Pay out to card/bank
- `POST /rules` → Tie to webhook triggers
- `GET /payouts` → Track batch disbursements
Why ZNGX over other embedded finance platforms?
- AU-first stack
- Faster onboarding than traditional BaaS
- Production SLAs with 99.999% uptime
Already building with a global platform?
- Migrate from `Adyen` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers
Start building:
- Test banking as a service api australia your use case without red tape
- Get live in under 7 days
- Expand fintech features safely
zngx.io = AU-native embedded finance.
???? [https://zngx.io](https://zngx.io) — Launch with confidence
Build the infrastructure you control.
Start with ZNGX.