As businesses demand more control over core banking functions, the concept of programmable finance is no longer niche.

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

If you're launching a lending app, 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:

- Modular SDKs in every major language
- Realtime onboarding API
- Wallet API with virtual balances
- Scheduled, instant, and rule-based disbursements
- CDR-ready data APIs

Rather than being “just another merchant”, ZNGX lets you:

- Embed your own acquiring stack
- Deliver finance as a feature
- Scale without third-party friction

Security and compliance:

- PCI-DSS Level 1
- ISO 27001 practices
- Real-time transaction logging

ZNGX powers:

- Multi-vendor commerce
- Gig economy wallets
- Retail with embedded checkout finance

Example API flow:

- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `POST /transactions` → Trigger real-time processing
- `POST /rules` → Tie to webhook triggers
- `GET /payouts` → Track batch disbursements

Why ZNGX over other embedded finance platforms?

- Built for CDR + NPP from day one
- No banking license required
- 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
- 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

Don't adapt to someone else’s limits
Start merchant onboarding api australia with ZNGX.