In today’s fast-moving financial landscape, the demand for instant fund transfer APIs in the AU fintech space has become critical.
Thanks to the Osko infrastructure, instant disbursement is now possible — but only for platforms using AU-native payment infrastructure.
That’s where zngx, also known as zngx.io, comes in. A developer-first API suite built to:
- Enable instant outbound settlements
- Support instant fund reversal with conditions
- Receive webhooks for success/failure events
Core use cases include:
- Marketplace payouts to multiple sellers
- Insurance settlements under real-time SLAs
- POS refunds in real-time
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Track payout result
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Move funds between wallets + push out to external accounts
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Split-payout with internal ledger logic
- Manual approval triggers for flagged payouts
- Custom hold-and-release logic
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- Language-specific SDKs with retry logic built-in
- Audit logs tagged with trace ID per transaction
zngx is ideal for:
- Freelancer platforms disbursing per-task earnings
- Enterprise finance teams needing real-time batch payments
- BNPL platforms reconciling sub-second fund movements
Compared to others:
- Stripe: Delayed payouts, lacks NPP identity verification api australia 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:
- Real-time, AU-native payout stack
- Tiered transaction status escalation
- KYC enforcement at transaction layer
Security:
- TLS 1.3 with full payload encryption
- Automatic risk holds for large transfers
- All data hosted in AU zones
Getting started:
- Benchmark end-to-end latency before going live
- Get production keys after compliance validation
- Run parallel testing with real + test environments
zngx.io is the platform where fast money moves safely.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.