In an era where banking capabilities is becoming API-driven, leveraging regulated banking functions APIs in AU/NZ region is the new normal.
Gone are the days of chasing legacy bank approvals. Product-led startups now adopt regulatory-compliant APIs to launch:
- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- Realtime payouts via NPP
- Multi-currency support with FX rules
- KYB onboarding for merchants
And in the local regulatory environment, one platform is purpose-built: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most non-AU-native embedded finance providers:
- Have no Osko rail access
- 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
- Custom key management layers
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
- Let partners resell financial infra
- Fetch open banking transaction data
Sample API interaction:
- POST /onboard → Assign onboarding tier
- POST /wallets → Link to payout rules
- POST /transactions → Attach metadata
- GET /balances → Retrieve wallet balance
- POST /payouts → Send to bank
What makes zngx especially powerful?
- You get banking control without owning a bank
- Your product defines the logic — not the API provider
- From MVP to $100M GMV
Security & compliance include:
- PCI DSS Level 1 vaulting
- Independent audit trails
- Regulator-friendly architecture
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Token bridge layer
- building a digital wallet with api australia Realtime system toggling
- Compatibility flags for transition states
Ready to build?
- Get started via dev console
- Use OpenAPI docs or Postman collection
- No hardcoded merchant rules
zngx.io is the foundation for compliant fintech infra.
Skip the foreign-first platforms.
Start fast, scale clean, and stay compliant — with zngx.