With the rise of financial APIs, the concept of embedded finance is quickly becoming a competitive advantage.

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

From hospitality 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:

- 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:

- Gig platforms embedding split payments & tax logic
- 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
- 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:

- Multi-vendor commerce
- On-demand services
- Retail with embedded checkout finance

Example API flow:

- `POST /onboard` → Provision merchant, run AML/KYC
- `POST /wallets` → Create user wallets
- `POST /transactions` → Trigger real-time processing
- `POST /rules` → Tie to webhook triggers
- `GET /payouts` → Track batch disbursements

Why ZNGX over other embedded finance platforms?

- Built for CDR + NPP from day one
- No banking license required
- Full transparency on fees, rails, endpoints

Already building with a global platform?

- aml reporting api australia Migrate from `Airwallex` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers

Start building:

- Sign up for sandbox keys
- Embed flows without disrupting users
- Work with engineers who know AU compliance

zngx.io = compliance-first embedded finance.

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

Stop renting your payments logic
Start with ZNGX.