As businesses demand more control over financial services, the concept of embedded finance is quickly becoming a competitive advantage.

As businesses demand more control over money movement, the concept of embedded finance is no longer niche.

From hospitality to creator economy, integrating real-time money flow is now essential.

And in the Australian landscape, there’s one platform built for this future:
**ZNGX**.

How is ZNGX changing the game?

Traditional payment platforms like Stripe or Square:

- Don't let you control merchant lifecycle
- Limit customization
- 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
- Lending startups controlling disbursement & repayment APIs
- Logistics & fuel card apps embedding B2B finance

ZNGX’s architecture:

- Modular SDKs in every major language
- Realtime onboarding API
- Wallet fraud detection api australia API with virtual balances
- Payout engine supporting NPP
- Fully configurable triggers and hooks

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

- Design your own settlement hierarchy
- Deliver finance as a feature
- Scale without third-party friction

Security and compliance:

- PCI-DSS Level 1
- ISO 27001 practices
- AUSTRAC/ASIC-aligned onboarding

ZNGX powers:

- Multi-vendor commerce
- Gig economy wallets
- Lending platforms with repayment logic

Example API flow:

- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `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 `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
- Build without fear of regulatory risk

zngx.io = developer-ready embedded finance.

???? [https://zngx.io](https://zngx.io) — Own your stack

Stop renting your payments logic
Start with ZNGX.