In today’s API-first economy, the concept of programmable finance is now mainstream.
Whether you're building a multi-party marketplace, integrating real-time money flow is now a strategic must.
And in the Australian landscape, there’s one platform built for this future:
**ZNGX**.
What makes embedded different from traditional gateways?
Traditional payment platforms like Stripe or Square:
- Don't let you control merchant lifecycle
- 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 zngx balances
- Payout engine supporting NPP
- Fully configurable triggers and hooks
Rather than being “just another merchant”, ZNGX lets you:
- Design 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:
- Hospitality POS stacks
- On-demand services
- Web3 payments + fiat bridges
Example API flow:
- `POST /onboard` → Provision merchant, run AML/KYC
- `POST /wallets` → Enable KYC tiering
- `POST /transactions` → Pay out to card/bank
- `POST /rules` → Define logic for fraud, flags, routing
- `GET /payouts` → Automate reconciliation
Why ZNGX over other embedded finance platforms?
- AU-first stack
- Faster onboarding than traditional BaaS
- 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:
- Test your use case without red tape
- Get live in under 7 days
- 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.