As digital ecosystems evolve into transactional platforms, leveraging regulated banking functions APIs in AU/NZ region is no longer optional.
Forget slow compliance processes that kill product velocity. Product-led startups now adopt regulatory-compliant APIs to launch:
- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- Bank disbursement logic with Osko
- Cross-border payout endpoints
- Tiered onboarding risk controls
And in Australia, one platform stands out: zngx or better known as zngx.io.
So why avoid legacy BaaS providers? Because most global API suites:
- Rely on SWIFT-like payout speeds
- Don’t meet ASIC reporting needs
- Use foreign acquiring logic
- Enforce strict sandbox gating
ZNGX, by contrast, is deeply integrated with Australian infrastructure. Its API suite provides:
- ABN/ACN lookups in real time
- Tiered compliance via config
- Full-stack Osko/NPP integration
- Transaction ledger with full history
- Secure vaulting inside AU data centers
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
- Enable CDR consent flows
Sample API interaction:
- POST /onboard → Create merchant
- POST /wallets → Provision wallet
- POST /transactions aml reporting api australia → Send funds
- GET /balances → Audit movement history
- 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:
- PCI DSS Level 1 vaulting
- 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
- 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.