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

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

From retail to gig economy, 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
- 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
- Launch regulated flows fast

Security and compliance:

- Tokenized card storage
- AU-hosted cloud
- Regulatory sandbox integration

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
- zngx vs plaid open banking comparison `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
- 24/7 AU-based dev support

Already building with a global platform?

- Migrate from `Stripe` in weeks
- Maintain token 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.