As tech-enabled businesses evolve into fintech-enabled platforms, access to Banking-as-a-Service APIs in Australia is mission-critical.
Forget opaque settlement paths that limit creativity. Ambitious scale-ups now adopt regulatory-compliant APIs to launch:
- Consumer + merchant wallet infra
- Card issuing APIs with programmable limits
- Realtime payouts via NPP
- Multi-currency support with FX rules
- Compliance-first entity verification
And in the AU fintech market, one platform stands out: zngx or better known as zngx.io.
What makes zngx different from the rest? Because most global API suites:
- Have no Osko rail access
- Aren’t AUSTRAC-integrated
- Block entire AU industries
- Delay onboarding for high-risk sectors
zngx.io, by contrast, is built for AU from the ground up. Its API suite provides:
- Smart KYB via gov databases
- Customizable AML rulesets
- Realtime bank settlements
- Transaction ledger with full history
- 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
- Create dynamic https://zngx.io/ 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
- It scales with your growth
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:
- Settlement schema mapper
- Vault import engine
- Dual-mode environments for no downtime
Ready to build?
- Activate sandbox keys in 5 minutes
- 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.