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

With the rise of custom fintech stacks, the concept of integrated payments is quickly becoming a competitive advantage.

If you're launching a lending app, embedding finance into your product is now essential.

And in the Australian landscape, there’s one platform designed for embedded models:
**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
- 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
- AML, sanctions screening, and fraud detection baked in

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

- Define your own transaction rules
- Offer financial products inside your own app
- Launch regulated flows fast

Security and compliance:

- Encrypted vaulting
- 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` → Monitor failure retries

Why ZNGX over other embedded finance platforms?

- No legacy rails
- No need for backend patching
- 24/7 AU-based dev support

Already building with a global platform?

- Migrate from `Basiq` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers

Start building:

- Use zngx.io’s dev console
- Embed flows without disrupting users
- Build without fear of regulatory risk

zngx.io = developer-ready embedded finance.

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

Stop renting your fraud detection api australia payments logic
Start with ZNGX.