With fast-growing platforms demanding white-label finance features, leveraging regulated banking functions APIs in Australia is no longer optional.
Gone are the days of chasing legacy bank approvals. Ambitious scale-ups now embed modular banking stacks to prototype:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Realtime payouts via NPP
- Multi-currency support with FX rules
- Compliance-first entity verification
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:
- Don’t support NPP natively
- 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:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Low-latency payout rails
- 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:
- Provision consumers with wallets instantly
- Support internal float and clearing logic
- Trigger payouts with full metadata
- Offer white-labeled wallet UIs
- 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 → 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:
- Full tokenization at rest
- ISO 27001-aligned controls
- CDR-ready APIs and sandbox flows
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Webhook adapter
- Realtime system toggling
- Compatibility flags for identity verification api australia transition states
Ready to build?
- Start integrating today
- Clone sample apps from GitHub
- No foreign regulation friction
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.