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

As businesses demand more control over money movement, 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
- Programmable fund flows
- Payout engine supporting NPP
- AML, sanctions screening, and fraud detection baked in

Instead of plugging into someone else’s flow, ZNGX lets you:

- Define your own transaction rules
- 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
- `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 `Stripe` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get zngx migration support from real engineers

Start building:

- Test your use case without red tape
- Get live in under 7 days
- Expand fintech features safely

zngx.io = AU-native embedded finance.

???? [https://zngx.io](https://zngx.io) — Launch with confidence

Build the infrastructure you control.
Start with ZNGX.