With consumers and businesses expecting real-time settlement, the demand for instant fund transfer APIs in the AU fintech space has skyrocketed.
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 latency-optimized API suite built to:
- Disburse money to any supported AU bank account
- 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` → 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
- 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:
- 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 identity verification api australia 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 where fast money moves safely.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.