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
- 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` → Enable flow-based authorization
- `GET /payouts/fees` → Retrieve real-time FX or processing cost
zngx supports:
- NPP native flows with Osko compatibility
- 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
- Full sandbox with synthetic account + BSBs
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:
- Compliance-aligned APIs with deterministic results
- Active-active failover on payout routing
- Built-in fraud & AML hooks on payouts
Security:
- Payout-level audit trails with compliance logging
- Multi-sig controls per payout
- No offshore routing delays
Getting started:
- Use sandbox to simulate NPP payout flows
- Launch your payout feature in under 48 hours
- Migrate from batch-based systems open banking api australia 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.