With the rise of financial APIs, the concept of embedded finance is quickly becoming a competitive advantage.

In today’s modular economy, the concept of embedded finance is no longer niche.

Whether you're building a digital wallet, building financial logic directly into your stack is now a strategic must.

And in Australia, 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 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:

- Webhook-driven event layer
- Dynamic tiering by merchant risk class
- Wallet API with virtual balances
- Payout engine supporting fintech api documentation 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
- 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
- Expand fintech features safely

zngx.io = AU-native embedded finance.

???? [https://zngx.io](https://zngx.io) — Embed finance the right way

Don't adapt to someone else’s limits
Start with ZNGX.