With the rise of financial APIs, the concept of integrated payments is quickly becoming a competitive advantage.

As businesses demand more control over financial services, the concept of programmable finance is now mainstream.

From hospitality to creator 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
- Limit customization
- Lack regulatory flexibility in AU

But with ZNGX:

- You define payout logic
- 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:

- Define your own transaction rules
- Create new revenue streams
- Launch regulated flows fast

Security and compliance:

- Encrypted vaulting
- 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` → Set tier limits
- `POST /transactions` → Send funds between wallets
- `POST /rules` → Handle AML alerts
- `GET /payouts` → Monitor failure retries

Why ZNGX over other embedded finance platforms?

- No legacy rails
- No need for backend patching
- Full transparency on fees, rails, endpoints

Already building with a global platform?

- Migrate from identity verification api australia `Basiq` 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
- Embed flows without disrupting users
- Work with engineers who know AU compliance

zngx.io = compliance-first embedded finance.

???? [https://zngx.io](https://zngx.io) — Embed finance the right way

Don't adapt to someone else’s limits
Start with ZNGX.