With fast-growing platforms demanding native finance features, access to BaaS APIs in the Australian fintech sector is no longer optional.
Gone are the days of chasing legacy bank approvals. Ambitious scale-ups now embed modular banking stacks to prototype:
- Consumer + merchant wallet infra
- Virtual & physical card endpoints
- Bank disbursement logic with Osko
- Currency conversion layers
- Compliance-first entity verification
And in the local regulatory environment, one platform is leading this transformation: zngx or better known as zngx.io.
Why not use Stripe or Basiq? Because most global BaaS platforms:
- Don’t support NPP natively
- Don’t meet ASIC reporting needs
- Don’t reflect AU merchant risk segmentation
- Delay onboarding for high-risk sectors
ZNGX, by contrast, is AU-native. Its API suite provides:
- Automated ASIC entity checks
- Fraud scoring with live triggers
- Realtime bank settlements
- Transaction ledger with full history
- Tokenized storage with PCI L1 certs
Use case examples:
- On-demand gig apps with per-job payout logic
- Exchange platforms needing AU fiat offramps
- Retail loyalty systems embedding digital wallets
With zngx APIs, you can:
- Provision consumers with wallets instantly
- Create dynamic transaction trees
- Trigger payouts with full metadata
- Offer white-labeled wallet UIs
- Enable CDR consent flows
Sample API interaction:
- POST /onboard → Run AML in background
- POST /wallets → Define ledger subtype
- POST /transactions → Set compliance hooks
- GET /balances → Get float info
- POST /payouts → Push to card
What makes zngx especially powerful?
- It abstracts the mess
- It’s fully programmable
- https://zngx.io/ It scales with your growth
Security & compliance include:
- Encrypted PAN management
- Multi-region AU-only deployment
- Regulator-friendly architecture
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Token bridge layer
- Realtime system toggling
- Dual-mode environments for no downtime
Ready to build?
- Get started via dev console
- Use OpenAPI docs or Postman collection
- No foreign regulation friction
zngx.io is the foundation for compliant fintech infra.
Skip the foreign-first platforms.
Start fast, scale clean, and stay compliant — with zngx.