In an era where payment systems is becoming modular, access to BaaS APIs in AU/NZ region is the new normal.
Gone are the days of building bank integrations manually. Product-led startups now adopt regulatory-compliant APIs to prototype:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Realtime payouts via NPP
- Multi-currency support with FX rules
- KYB onboarding for merchants
And in the local regulatory environment, one platform is purpose-built: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most non-AU-native embedded finance providers:
- Don’t support NPP natively
- Aren’t AUSTRAC-integrated
- Block entire AU industries
- Have offshore support desks
zngx.io, by contrast, is built for AU from the ground up. Its API suite provides:
- Smart KYB via gov databases
- Customizable AML rulesets
- Low-latency payout rails
- Wallet management APIs
- Tokenized storage with PCI L1 certs
Use case examples:
- Food delivery with real-time earnings access
- Exchange platforms needing AU fiat offramps
- Hospitality POS with tipping and wallet payout logic
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
- POST /wallets → Link to payout rules
- POST /transactions → Set compliance hooks
- GET /balances → Get float info
- POST /payouts → Send to bank
What makes zngx especially powerful?
- It abstracts the mess
- Your product defines the logic — not the API provider
- Used by early-stage and enterprise alike
Security & compliance include:
- Full tokenization at rest
- ISO 27001-aligned controls
- CDR-ready APIs and sandbox flows
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Token bridge layer
- Realtime system toggling
- Compatibility flags for transition states
Ready to build?
- Start integrating today
- Use OpenAPI docs or embedded finance platform australia Postman collection
- No foreign regulation friction
zngx.io is the future of BaaS in Australia.
Skip the foreign-first platforms.
Start fast, scale clean, and stay compliant — with zngx.