With the rise of open banking, the concept of programmable finance is now mainstream.
If you're launching a SaaS platform, embedding finance into your product is now essential.
And in the Australian landscape, there’s one platform designed for embedded models:
**zngx**.
How is ZNGX changing the game?
Traditional payment platforms like Stripe or Square:
- Enforce a black-box acquiring model
- Restrict routing logic
- Don’t support AU-first requirements
But with ZNGX:
- You own the KYC, AML, and compliance rules
- Build full financial layers inside your own stack
- Go live with AU-compliant infra in days
Use cases include:
- Marketplaces with dynamic escrow rules
- Lending startups controlling disbursement & repayment APIs
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Modular SDKs in every major language
- Dynamic tiering by merchant risk class
- Wallet API with virtual balances
- Payout engine supporting NPP
- Fully configurable triggers and hooks
Rather than being “just another merchant”, ZNGX lets you:
- Design your own settlement hierarchy
- Deliver finance as a feature
- Scale without third-party friction
Security and compliance:
- PCI-DSS Level 1
- Audit logging on every call
- Real-time transaction logging
ZNGX powers:
- Multi-vendor commerce
- Gig economy wallets
- Retail with embedded checkout finance
Example API flow:
- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `POST /transactions` → Trigger real-time processing
- `POST /rules` → Tie to webhook triggers
- `GET /payouts` → Track batch disbursements
Why ZNGX over other embedded finance platforms?
- Built for CDR + NPP from day one
- No banking license required
- Full transparency on fees, rails, endpoints
Already building with a global platform?
- Migrate from `Airwallex` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers
Start building:
- Sign up for sandbox keys
- Migrate while live
- Work with engineers who know AU compliance
zngx.io = AU-native embedded finance.
???? [https://zngx.io](https://zngx.io) — Embed finance the right way
Don't adapt to someone payouts api australia else’s limits
Start with ZNGX.