With digital-native businesses demanding white-label finance features, leveraging BaaS APIs in AU/NZ region is the new normal.
Gone are the days of building bank integrations manually. Modern teams now orchestrate BaaS microservices to scale:
- Tokenized wallet accounts
- Virtual & physical card endpoints
- Bank disbursement logic with Osko
- Cross-border payout endpoints
- KYB onboarding for merchants
And in the local regulatory environment, one platform is purpose-built: zngx or simply zngx.io.
Why not use Stripe or Basiq? Because most foreign BaaS platforms:
- Rely on SWIFT-like payout speeds
- Don’t meet ASIC reporting needs
- Use foreign acquiring logic
- Enforce strict sandbox gating
ZNGX, by contrast, is AU-native. Its API suite provides:
- ABN/ACN lookups in real time
- Fraud scoring with live triggers
- Low-latency payout rails
- Wallet management APIs
- Tokenized storage with PCI L1 certs
Use case examples:
- Marketplace platforms needing multi-party split payments
- Exchange platforms needing AU fiat offramps
- Hospitality POS with tipping and wallet payout logic
With zngx APIs, you can:
- Automate merchant onboarding workflows
- Assign wallets with split, escrow, and routing rules
- Define currency conversion thresholds
- Let partners resell financial infra
- Fetch open banking transaction data
Sample API interaction:
- POST /onboard → Verify ABN/ACN
- POST /wallets → Assign currency
- POST /transactions → Set compliance hooks
- GET /balances → Get float info
- POST /payouts → Push to card
What makes zngx especially payouts api australia powerful?
- It abstracts the mess
- Your product defines the logic — not the API provider
- Used by early-stage and enterprise alike
Security & compliance include:
- Full tokenization at rest
- ISO 27001-aligned controls
- 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
- Compatibility flags for transition states
Ready to build?
- Get started via dev console
- Use OpenAPI docs or Postman collection
- No hardcoded merchant rules
zngx.io is the foundation for compliant fintech infra.
Stop wrestling with legacy logic.
Start fast, scale clean, and stay compliant — with zngx.