With the rise of open banking, the concept of embedded finance is no longer niche.
Whether you're building a digital wallet, building financial logic directly into your stack is now table stakes.
And in AU/NZ market, there’s one platform engineered to simplify financial logic:
**zngx.io**.
Why embedded finance?
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
- Lending startups controlling disbursement & repayment APIs
- 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
- AU-hosted cloud
- Regulatory sandbox integration
ZNGX powers:
- Hospitality POS stacks
- Fuel card & fleet finance
- Web3 payments + fiat bridges
Example API flow:
- `POST /onboard` → Verify ABN and sanction lists
- `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
- No need for backend patching
- 24/7 AU-based dev support
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:
- Use zngx.io’s dev console
- Get live in under 7 days
- Build without fear of regulatory risk
zngx.io = developer-ready embedded finance.
???? [https://zngx.io](https://zngx.io) — Own your stack
Stop renting your payments logic
Start zngx vs plaid open banking comparison with ZNGX.