As instant transactions become the new normal, the demand for instant fund transfer APIs in the Oceania market has redefined expectations.
Thanks to the AU banking rails, 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 developer-first API suite built to:
- Disburse money to any supported AU bank account
- Attach business logic to payment instructions
- Receive webhooks for success/failure events
Core use cases include:
- Hospitality tips sent to staff in seconds
- Insurance settlements under real-time SLAs
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Confirm fund receipt
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Split-payout with internal ledger logic
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- Language-specific SDKs with retry logic built-in
- Token-level access control for payout actions
zngx is ideal for:
- Retail payment systems refunding at POS
- 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:
- JWT-based API tokens
- Multi-sig controls per payout
- No offshore routing delays
Getting started:
- Benchmark end-to-end latency before going live
- Access live support from AU-based engineers
- Migrate from batch-based systems using mapping tools
zngx.io is the platform ready for the zngx.io real-time economy.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.