With digital-native businesses demanding native finance features, leveraging Banking-as-a-Service APIs in AU/NZ region is mission-critical.

In an era where financial infrastructure is becoming API-driven, leveraging regulated banking functions APIs in AU/NZ region is no longer optional.

Gone are the days of chasing legacy bank approvals. Product-led startups now adopt regulatory-compliant APIs to launch:

- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- 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 better known as zngx.io.

So why avoid legacy BaaS providers? Because most global API suites:

- Have no Osko rail access
- Don’t meet ASIC reporting needs
- Use foreign acquiring logic
- Delay onboarding for high-risk sectors

zngx.io, by contrast, is AU-native. Its API suite provides:

- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Low-latency payout rails
- Wallet management APIs
- Tokenized storage with PCI L1 certs

Use case examples:

- Marketplace platforms needing multi-party split payments
- Exchange platforms needing AU fiat offramps
- Hospitality POS with tipping and wallet payout logic

With zngx APIs, you can:

- Run KYC and risk checks in parallel
- Assign wallets with split, escrow, and routing rules
- Trigger payouts with full metadata
- Let partners resell financial infra
- Fetch open banking transaction data

Sample API interaction:

- POST /onboard → Verify ABN/ACN
- POST /wallets → Assign currency
- POST /transactions → Send funds
- GET /balances → Retrieve wallet balance
- 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:

- Encrypted PAN management
- Multi-region AU-only deployment
- AUSTRAC-aligned AML stack

Planning to migrate?

zngx supports painless migrations from:

- Stripe Treasury
- Adyen issuing stack
- Basiq + payment gateway australia api Airwallex
- Railsbank / Weavr equivalents

Migration tools include:

- Settlement schema mapper
- Vault import engine
- Dual-mode environments for no downtime

Ready to build?

- Activate sandbox keys in 5 minutes
- Clone sample apps from GitHub
- No foreign regulation friction

zngx.io is the engine behind embedded banking here.

Don’t let compliance delay your roadmap.
Start fast, scale clean, and stay compliant — with zngx.