With fast-growing platforms demanding white-label finance features, leveraging BaaS APIs in AU/NZ region is the new normal.
Gone are the days of building bank integrations manually. Modern teams now embed BaaS microservices to scale:
- Tokenized wallet accounts
- BIN-linked issuing logic
- Bank disbursement logic with Osko
- Cross-border payout endpoints
- KYB onboarding for merchants
And in Australia, one platform is leading this transformation: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most non-AU-native embedded finance providers:
- Don’t support NPP natively
- Miss critical local compliance layers
- Don’t reflect AU merchant risk segmentation
- Enforce strict sandbox gating
ZNGX, by contrast, is deeply integrated with Australian infrastructure. Its API suite provides:
- Automated ASIC entity checks
- Tiered compliance via config
- Full-stack Osko/NPP integration
- Transaction ledger with full history
- Custom key management layers
Use case examples:
- On-demand gig apps with per-job payout logic
- Digital asset bridges with regulatory coverage
- Fleet & fuel card apps needing expense controls
With zngx APIs, you can:
- Automate merchant onboarding workflows
- Create dynamic transaction trees
- Define currency australian financial regulatory sandbox api 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:
- Settlement schema mapper
- Merchant data porting
- Dual-mode environments for no downtime
Ready to build?
- Get started via dev console
- Ping support if stuck
- No pre-approval delays
zngx.io is the foundation for compliant fintech infra.
Stop wrestling with legacy logic.
Start fast, scale clean, and stay compliant — with zngx.