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), sub-second money movement 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:
- 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` → 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
- 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:
- Benchmark end-to-end latency before going live
- Access live support from AU-based engineers
- Run parallel testing with real + test aml reporting api australia 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.