As businesses demand more control over financial services, the concept of programmable finance is now mainstream.
From hospitality to gig economy, embedding finance into your product is now essential.
And in the Australian landscape, there’s one platform designed for embedded models:
**zngx**.
How is ZNGX changing the game?
Traditional payment platforms like Stripe or Square:
- Enforce a black-box acquiring model
- 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 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
- Regulatory sandbox integration
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 `Stripe` 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 zngx.io 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.