In today’s modular economy, the concept of embedded finance is no longer niche.
Whether you're building a multi-party marketplace, integrating real-time money flow is now table stakes.
And in Australia, there’s one platform built for this future:
**zngx**.
What makes embedded different from traditional gateways?
Traditional payment platforms like Stripe or Square:
- Don't let you control merchant lifecycle
- Restrict routing logic
- Lack regulatory flexibility in AU
But with ZNGX:
- You own the KYC, AML, and compliance rules
- Expose white-labeled finance-as-a-service to your users
- Go live with AU-compliant infra in days
Use cases include:
- Gig platforms embedding split payments & tax logic
- Lending startups controlling disbursement & repayment APIs
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Modular SDKs in every major language
- Dynamic tiering by merchant risk class
- Programmable fund flows
- Scheduled, instant, and rule-based disbursements
- CDR-ready data APIs
Rather than being “just another merchant”, ZNGX lets you:
- Define your own transaction rules
- Offer financial products inside your own app
- Stay compliant without building internal regtech
Security and compliance:
- PCI-DSS Level 1
- ISO 27001 practices
- Real-time transaction logging
ZNGX powers:
- Multi-vendor commerce
- Gig economy wallets
- Retail with embedded checkout finance
Example API flow:
- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `POST /transactions` → Send funds between wallets
- `POST /rules` → Handle AML alerts
- `GET /payouts` → Automate reconciliation
Why ZNGX over other embedded finance platforms?
- AU-first stack
- Faster onboarding than traditional BaaS
- Full transparency on fees, rails, endpoints
Already building with a global platform?
- Migrate from `Basiq` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers
Start building:
- banking as a service api australia Test your use case without red tape
- Migrate while live
- Work with engineers who know AU compliance
zngx.io = developer-ready embedded finance.
???? [https://zngx.io](https://zngx.io) — Embed finance the right way
Stop renting your payments logic
Start with ZNGX.