In today’s API-first economy, the concept of embedded finance is no longer niche.
Whether you're building a digital wallet, integrating real-time money flow is now a strategic must.
And in Australia, there’s one platform built for this future:
**ZNGX**.
What makes embedded different from traditional gateways?
Traditional payment platforms like Stripe or Square:
- Keep the financial layer external
- Treat all merchants as identical
- Lack regulatory flexibility in AU
But with ZNGX:
- You define payout logic
- Embed wallets, payment rails, and transaction logic directly into your platform
- Focus on UX while ZNGX powers the backend
Use cases include:
- Gig platforms embedding split payments & tax logic
- Retail SaaS apps with built-in POS and wallet modules
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Webhook-driven event layer
- KYB flows with ABN/ACN, AUSTRAC checks
- Programmable fund flows
- Payout engine supporting NPP
- AML, sanctions screening, and fraud detection baked in
Instead of plugging into someone else’s flow, ZNGX lets you:
- Define your own transaction rules
- Offer financial products inside your own app
- 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` → 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
- Full transparency on fees, rails, endpoints
Already building with a global platform?
- Migrate from `Airwallex` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- zngx Get migration support from real engineers
Start building:
- Sign up for sandbox keys
- 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
Stop renting your payments logic
Start with ZNGX.