As businesses demand more control over core banking functions, the concept of programmable finance is no longer niche.

In today’s API-first economy, the concept of programmable finance is now mainstream.

Whether you're building a multi-party marketplace, embedding finance into your product is now essential.

And in the Australian landscape, there’s one platform designed for embedded models:
**zngx**.

Why embedded finance?

Traditional payment platforms like Stripe or Square:

- Enforce a black-box acquiring model
- Restrict routing logic
- 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:

- 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
- Launch regulated flows fast

Security and compliance:

- Tokenized card storage
- Audit logging on every call
- Real-time transaction logging

ZNGX powers:

- Hospitality POS stacks
- On-demand services
- Web3 payments + fiat bridges

Example API flow:

- `POST /onboard` → Provision merchant, run AML/KYC
- `POST /wallets` → Enable KYC tiering
- `POST /transactions` → Pay out to card/bank
- `POST /rules` → Define logic for fraud, flags, routing
- `GET /payouts` → Automate reconciliation

Why ZNGX over other embedded finance platforms?

- AU-first stack
- Faster onboarding than traditional BaaS
- Production SLAs with 99.999% uptime

Already building with a global platform?

- Migrate from `Adyen` in weeks
- Maintain token embedded finance platform australia security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers

Start building:

- Test your use case without red tape
- Get live in under 7 days
- Build without fear of regulatory risk

zngx.io = developer-ready embedded finance.

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

Build the infrastructure you control.
Start with ZNGX.