As instant transactions become the new normal, the demand for low-latency payment endpoints in the Oceania market has redefined expectations.
Thanks to the Osko infrastructure, instant disbursement is now possible — but only for platforms equipped with compliant, modern APIs.
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
- Attach business logic to payment instructions
- Track payment state across ledger, network, and recipient
Core use cases include:
- Driver/gig worker instant wages
- Loan disbursement immediately upon approval
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Confirm fund receipt
- `POST /payouts/bulk` → Receive aggregated webhook status
- `POST /wallets/transfer` → Move funds between wallets + push out to external accounts
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Custom fraud detection api australia delay rules per recipient
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- Test harness to simulate multi-vendor payout edge cases
- Audit logs tagged with trace ID per transaction
zngx is ideal for:
- Freelancer platforms disbursing per-task earnings
- Enterprise finance teams needing real-time batch payments
- On-demand platforms syncing wallet → bank flow
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
- API keys with scoped permissions
- No offshore routing delays
Getting started:
- Test failure modes with webhook emulator
- Launch your payout feature in under 48 hours
- 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.