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 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
- Insurance settlements under real-time SLAs
- POS refunds in real-time
API examples:
- `POST /payouts` → Define recipient BSB/Acct + metadata
- `GET /payouts/id` → Track payout result
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Enable flow-based authorization
- `GET /payouts/fees` → Retrieve real-time FX or processing cost
zngx supports:
- Split-payout with internal ledger logic
- Fallback retries with exponential delay
- Notifications to sender/receiver on failure or success
Developer tooling includes:
- Webhook simulator for success/failure events
- Real-time latency testing tools
- Token-level access control for payout actions
zngx is ideal for:
- Retail payment systems refunding at POS
- Hospitality apps handling dynamic tip payouts
- CDR-aligned fintechs requiring timestamped settlement
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
- KYC enforcement at transaction layer
Security:
- TLS 1.3 with full payload encryption
- Automatic risk holds australian financial regulatory sandbox api 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
- Preserve transaction history
zngx.io is the platform ready for the real-time economy.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.