With modern apps demanding native finance features, access to Banking-as-a-Service APIs in Australia is mission-critical.
Gone are the days of chasing legacy bank approvals. Ambitious scale-ups now adopt regulatory-compliant APIs to launch:
- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- Realtime payouts via NPP
- Multi-currency support with FX rules
- 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
- Delay onboarding for high-risk sectors
ZNGX, by contrast, is AU-native. Its API suite provides:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- 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 conversion thresholds
- Let partners resell financial infra
- Fetch open banking transaction data
Sample API interaction:
- POST /onboard → Assign onboarding tier
- real time payment api australia 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:
- 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.