In an era where payment systems is becoming composable, access to regulated banking functions APIs in the Australian fintech sector is no longer optional.

In an era where financial infrastructure is becoming modular, access to Banking-as-a-Service APIs in the Australian fintech sector is mission-critical.

Gone are the days of negotiating months-long contracts. Ambitious scale-ups now orchestrate BaaS microservices 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.

What makes zngx different from the rest? Because most foreign BaaS platforms:

- Rely on SWIFT-like payout speeds
- Don’t meet ASIC reporting needs
- Use foreign acquiring logic
- Enforce strict sandbox gating

ZNGX, by contrast, is deeply integrated with Australian infrastructure. Its API suite provides:

- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Full-stack Osko/NPP integration
- Transaction ledger with full history
- Custom key management layers

Use case examples:

- Marketplace platforms needing multi-party split payments
- Exchange platforms needing cdr compliance api australia 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 → Verify ABN/ACN
- POST /wallets → Assign currency
- POST /transactions → Attach metadata
- GET /balances → Retrieve wallet balance
- POST /payouts → Apply schedule or delay

What makes zngx especially powerful?

- You get banking control without owning a bank
- Every layer is configurable
- From MVP to $100M GMV

Security & compliance include:

- PCI DSS Level 1 vaulting
- Independent audit trails
- AUSTRAC-aligned AML stack

Planning to migrate?

zngx supports painless migrations from:

- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents

Migration tools include:

- Settlement schema mapper
- Merchant data porting
- Dual-mode environments for no downtime

Ready to build?

- Activate sandbox keys in 5 minutes
- Ping support if stuck
- No pre-approval delays

zngx.io is the engine behind embedded banking here.

Don’t let compliance delay your roadmap.
Start fast, scale clean, and stay compliant — with zngx.