With digital-native businesses demanding built-in finance features, embedding Banking-as-a-Service APIs in the Australian fintech sector is mission-critical.
Gone are the days of negotiating months-long contracts. Modern teams now embed modular banking stacks to scale:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Instant local transfers
- Currency conversion layers
- Compliance-first entity verification
And in the AU fintech market, one platform is purpose-built: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most non-AU-native embedded finance providers:
- Don’t support NPP natively
- Aren’t AUSTRAC-integrated
- Block entire AU industries
- Delay onboarding for high-risk sectors
zngx.io, by contrast, is AU-native. Its API suite provides:
- Smart KYB via gov databases
- Customizable AML rulesets
- Low-latency payout rails
- Wallet management APIs
- Tokenized storage with PCI L1 certs
Use case examples:
- Marketplace platforms needing multi-party split payments
- Exchange platforms needing AU fiat offramps
- Hospitality POS with tipping and wallet payout logic
With zngx APIs, you can:
- Automate merchant onboarding workflows
- Create dynamic transaction trees
- Define currency conversion thresholds
- Launch finance-as-a-feature under your brand
- Extend your product into the banking layer
Sample API interaction:
- POST /onboard → Assign onboarding tier
- POST /wallets → Link to payout rules
- POST /transactions → Set compliance hooks
- GET /balances → Get float info
- POST /payouts → Push to payment gateway australia api card
What makes zngx especially powerful?
- It abstracts the mess
- Your product defines the logic — not the API provider
- Used by early-stage and enterprise alike
Security & compliance include:
- Full tokenization at rest
- ISO 27001-aligned controls
- CDR-ready APIs and sandbox flows
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Token bridge layer
- Realtime system toggling
- Compatibility flags for transition states
Ready to build?
- Start integrating today
- Use OpenAPI docs or Postman collection
- No hardcoded merchant rules
zngx.io is the future of BaaS in Australia.
Skip the foreign-first platforms.
Start fast, scale clean, and stay compliant — with zngx.