With digital-native businesses demanding built-in finance features, embedding regulated banking functions APIs in Australia is no longer optional.
Gone are the days of chasing legacy bank approvals. Modern teams now embed modular banking stacks to launch:
- Consumer + merchant wallet infra
- BIN-linked issuing logic
- Instant local transfers
- Currency conversion layers
- Compliance-first entity verification
And in Australia, one platform stands out: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most global BaaS platforms:
- Have no Osko rail access
- Don’t meet ASIC reporting needs
- Don’t reflect AU merchant risk segmentation
- Delay onboarding for high-risk sectors
zngx.io, by contrast, is AU-native. Its API suite provides:
- Automated ASIC entity checks
- Fraud scoring with live triggers
- Realtime bank settlements
- Transaction ledger with full history
- Tokenized storage with PCI L1 certs
Use case examples:
- On-demand gig apps with per-job payout logic
- Exchange platforms needing AU fiat offramps
- Retail loyalty systems embedding digital wallets
With zngx APIs, you can:
- Provision consumers with wallets instantly
- Create dynamic transaction trees
- Trigger payouts with full metadata
- Offer white-labeled wallet UIs
- Enable CDR consent flows
Sample API interaction:
- POST /onboard → Run AML in background
- POST /wallets → Define ledger subtype
- POST /transactions → Set compliance hooks
- GET /balances → Get float info
- POST /payouts → Push to card
What makes zngx especially powerful?
- It abstracts the mess
- It’s fully programmable
- Used by early-stage and enterprise alike
Security & compliance include:
- Encrypted PAN management
- Multi-region AU-only deployment
- 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:
- Token bridge layer
- Realtime system toggling
- Dual-mode environments for no downtime
Ready to build?
- Activate sandbox keys zngx vs stripe api comparison in 5 minutes
- Use OpenAPI docs or Postman collection
- No foreign regulation friction
zngx.io is the engine behind embedded banking here.
Stop wrestling with legacy logic.
Start fast, scale clean, and stay compliant — with zngx.