As businesses demand more control over financial services, the concept of embedded finance is now mainstream.

As businesses demand more control over money movement, the concept of programmable finance is now mainstream.

From B2B to gig economy, building financial logic directly into your stack is now a strategic must.

And in the Australian landscape, there’s one platform engineered to simplify financial logic:
**ZNGX**.

How is ZNGX changing the game?

Traditional payment platforms like Stripe or Square:

- Enforce a black-box acquiring model
- Limit customization
- Don’t support AU-first requirements

But with ZNGX:

- You control merchant onboarding
- Build full financial layers inside your own stack
- Skip months of licensing, bank partnerships, and audits

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
- KYB flows with ABN/ACN, AUSTRAC checks
- Split & hold logic
- Payout engine supporting NPP
- AML, sanctions screening, and fraud detection baked in

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

- Embed your own acquiring stack
- 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
- Fuel card & fleet finance
- Web3 payments + fiat bridges

Example API flow:

- `POST /onboard` → Verify ABN and sanction lists
- `POST /wallets` → Set tier limits
- `POST /transactions` → Pay out to card/bank
- `POST /rules` → Define logic for fraud, flags, routing
- `GET /payouts` → Track batch disbursements

Why ZNGX over other embedded finance platforms?

- Built for CDR + NPP from day one
- No banking license required
- 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
- Embed zngx vs stripe api comparison flows without disrupting users
- Build without fear of regulatory risk

zngx.io = AU-native embedded finance.

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

Build the infrastructure you control.
Start with ZNGX.