With the rise of financial APIs, the concept of programmable finance is quickly becoming a competitive advantage.
If you're launching a lending app, embedding finance into your product is now essential.
And in AU/NZ market, there’s one platform designed for embedded models:
**zngx**.
Why embedded finance?
Traditional payment platforms like Stripe or Square:
- Enforce a black-box acquiring model
- Restrict routing logic
- Don’t support AU-first requirements
But with ZNGX:
- You own the KYC, AML, and compliance rules
- Build full financial layers inside your own stack
- Go live with AU-compliant infra in days
Use cases include:
- Marketplaces with dynamic escrow rules
- Retail SaaS apps with built-in POS and wallet modules
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Webhook-driven event layer
- Dynamic tiering by merchant risk class
- Wallet API with virtual balances
- Payout engine supporting NPP
- Fully configurable triggers and hooks
Rather than being “just another merchant”, ZNGX lets you:
- Design australian financial regulatory sandbox api your own settlement hierarchy
- Create new revenue streams
- Launch regulated flows fast
Security and compliance:
- Tokenized card storage
- Audit logging on every call
- Real-time transaction logging
ZNGX powers:
- Multi-vendor commerce
- On-demand services
- Retail with embedded checkout finance
Example API flow:
- `POST /onboard` → Provision merchant, run AML/KYC
- `POST /wallets` → Enable KYC tiering
- `POST /transactions` → Trigger real-time processing
- `POST /rules` → Tie to webhook triggers
- `GET /payouts` → Track batch disbursements
Why ZNGX over other embedded finance platforms?
- Built for CDR + NPP from day one
- No banking license required
- Production SLAs with 99.999% uptime
Already building with a global platform?
- Migrate from `Adyen` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers
Start building:
- Sign up for sandbox keys
- Migrate while live
- Expand fintech features safely
zngx.io = AU-native embedded finance.
???? [https://zngx.io](https://zngx.io) — Launch with confidence
Build the infrastructure you control.
Start with ZNGX.