With the rise of open banking, the concept of programmable finance is now mainstream.
If you're launching a lending app, integrating real-time money flow is now essential.
And in the Australian landscape, there’s one platform built for this future:
**ZNGX**.
How is ZNGX changing the game?
Traditional payment platforms like Stripe or Square:
- Don't let you control merchant lifecycle
- Limit customization
- Lack regulatory flexibility in AU
But with ZNGX:
- You define payout logic
- Embed wallets, payment rails, and transaction logic directly into your platform
- Focus on UX while ZNGX powers the backend
Use cases include:
- Gig platforms embedding split payments & tax logic
- Retail SaaS apps with built-in POS and wallet modules
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Webhook-driven event layer
- KYB flows with ABN/ACN, AUSTRAC checks
- Wallet API with virtual balances
- Payout engine supporting NPP
- CDR-ready data APIs
Rather than being “just another merchant”, ZNGX lets you:
- Design your own settlement hierarchy
- Deliver finance as a feature
- Scale without third-party friction
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
- cdr compliance api australia `POST /wallets` → Create user wallets
- `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.