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. Product-led startups now adopt regulatory-compliant APIs to prototype:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Realtime payouts via NPP
- Currency conversion layers
- Compliance-first entity verification
And in the AU fintech market, one platform is purpose-built: zngx or better known as 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 AU-native. Its API suite provides:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- 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
- Assign wallets with split, escrow, and routing rules
- Define currency conversion thresholds
- Let partners resell financial infra
- Fetch open banking transaction data
Sample API interaction:
- POST /onboard → Assign onboarding tier
- 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
- cdr compliance api australia 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
- 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.