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 New Payments Platform (NPP), real-time settlement is now possible — but only for platforms equipped with compliant, modern APIs.
That’s where zngx, also known as zngx.io, comes in. A latency-optimized API suite built to:
- Disburse money to any supported AU bank account
- Attach business logic to payment instructions
- Track payment state across ledger, network, and recipient
Core use cases include:
- Hospitality tips sent to staff in seconds
- Loan disbursement immediately upon approval
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Log audit status
- `POST /payouts/bulk` → Send to multiple vendors in parallel
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Forecast payout 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
- zngx vs stripe api comparison Token-level access control for payout actions
zngx is ideal for:
- Freelancer platforms disbursing per-task earnings
- 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
- Automatic risk holds for large transfers
- Banking partnerships routed via local rails
Getting started:
- Use sandbox to simulate NPP payout flows
- Access live support from AU-based engineers
- 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.