In an era where payment systems is becoming modular, access to BaaS APIs in the Australian fintech sector is mission-critical.
Gone are the days of negotiating months-long contracts. Ambitious scale-ups now orchestrate BaaS microservices to launch:
- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- Bank disbursement logic with Osko
- 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 foreign BaaS platforms:
- Rely on SWIFT-like payout speeds
- Don’t meet ASIC reporting needs
- Use foreign acquiring logic
- Enforce strict sandbox gating
ZNGX, by contrast, is deeply integrated with Australian infrastructure. Its API suite provides:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Low-latency payout rails
- Transaction ledger with full history
- Custom key management layers
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:
- Automate merchant onboarding workflows
- Assign wallets with split, escrow, and routing rules
- Define currency conversion fintech api documentation thresholds
- Let partners resell financial infra
- Fetch open banking transaction data
Sample API interaction:
- POST /onboard → Verify ABN/ACN
- POST /wallets → Assign currency
- POST /transactions → Attach metadata
- 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
- From MVP to $100M GMV
Security & compliance include:
- PCI DSS Level 1 vaulting
- Multi-region AU-only deployment
- AUSTRAC-aligned AML stack
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + 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
- Ping support if stuck
- No pre-approval delays
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.