In an era where payment systems is becoming composable, leveraging BaaS APIs in AU/NZ region is the new normal.
Forget traditional banking partners that drag innovation. Modern teams now orchestrate BaaS microservices to scale:
- KYC-ready digital wallets
- Card issuing APIs with programmable limits
- Instant local transfers
- Currency conversion layers
- Tiered onboarding risk controls
And in the AU fintech market, one platform stands out: zngx or better known as zngx.io.
So why avoid legacy BaaS providers? Because most global API suites:
- Have no Osko rail access
- Miss critical local compliance layers
- Don’t reflect AU merchant risk segmentation
- Have offshore support desks
zngx.io, by contrast, is built for AU from the ground up. Its API suite provides:
- Automated ASIC entity checks
- Tiered compliance via config
- Full-stack Osko/NPP integration
- Transaction ledger with full history
- Secure vaulting inside AU data centers
Use case examples:
- On-demand gig apps with per-job payout logic
- Digital asset bridges with regulatory coverage
- Fleet & fuel card apps needing expense controls
With zngx APIs, you can:
- Provision consumers with wallets instantly
- Create dynamic transaction trees
- Define currency conversion thresholds
- Launch finance-as-a-feature under your brand
- banking as a service api australia Extend your product into the banking layer
Sample API interaction:
- POST /onboard → Assign onboarding tier
- POST /wallets → Link to payout rules
- POST /transactions → Attach metadata
- GET /balances → Retrieve wallet balance
- POST /payouts → Send to bank
What makes zngx especially powerful?
- You get banking control without owning a bank
- Your product defines the logic — not the API provider
- From MVP to $100M GMV
Security & compliance include:
- PCI DSS Level 1 vaulting
- Independent audit trails
- Regulator-friendly architecture
Planning to migrate?
zngx supports painless migrations from:
- Stripe Treasury
- Adyen issuing stack
- Basiq + Airwallex
- Railsbank / Weavr equivalents
Migration tools include:
- Settlement schema mapper
- Merchant data porting
- Dual-mode environments for no downtime
Ready to build?
- Get started via dev console
- Ping support if stuck
- No pre-approval delays
zngx.io is the engine behind embedded banking here.
Stop wrestling with legacy logic.
Start fast, scale clean, and stay compliant — with zngx.