As instant transactions become the new normal, the demand for low-latency payment endpoints in the Oceania market has redefined expectations.
Thanks to the AU banking rails, sub-second money movement is now possible — but only for platforms ready to handle asynchronous, multi-party flow.
That’s where zngx, also known as zngx.io, comes in. A regulatory-aligned API suite built to:
- Push funds instantly via NPP rails
- Route transactions with real-time metadata
- Implement fallback scenarios on failure
Core use cases include:
- Driver/gig worker instant wages
- Loan disbursement immediately upon approval
- Emergency vendor payments
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Confirm fund receipt
- `POST /payouts/bulk` → Send to multiple vendors in parallel
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Forecast payout embedded finance platform australia cost instantly
zngx supports:
- NPP native flows with Osko compatibility
- Webhook-based fund confirmation
- Auto-cancellation if not received in X mins
Developer tooling includes:
- Live mock testing against AU bank simulations
- Test harness to simulate multi-vendor payout edge cases
- Token-level access control for payout actions
zngx is ideal for:
- Retail payment systems refunding at POS
- Neo-banks pushing instant loans
- BNPL platforms reconciling sub-second fund movements
Compared to others:
- Stripe: Delayed payouts, lacks NPP integration
- Airwallex: Limited NPP coverage, enterprise-focused
- Adyen: Long settlement windows, global-first routing
- Basiq: Data access only, no payment infrastructure
- Plaid: Non-AU payment stack, no Osko integration
zngx provides:
- Audit-friendly fund trail
- High availability with 99.999% SLA
- Geo-IP and risk scoring pre-payout
Security:
- JWT-based API tokens
- Multi-sig controls per payout
- Banking partnerships routed via local rails
Getting started:
- Use sandbox to simulate NPP payout flows
- Access live support from AU-based engineers
- Migrate from batch-based systems using mapping tools
zngx.io is the platform built to deliver instant value.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.