With the rise of financial APIs, the concept of integrated payments is now mainstream.

With the rise of open banking, the concept of embedded finance is no longer niche.

If you're launching a SaaS platform, integrating real-time money flow is now a strategic must.

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
- 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:

- 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:

- Webhook-driven event layer
- Dynamic tiering by merchant risk class
- Wallet 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
- Create new revenue streams
- Scale without third-party friction

Security and compliance:

- Tokenized card storage
- Audit logging on every call
- 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
- Migrate while live
- 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 real time payment api australia else’s limits
Start with ZNGX.