With consumers and businesses expecting real-time settlement, the demand for instant fund transfer APIs in Australia has redefined expectations.

In today’s fast-moving financial landscape, the demand for low-latency payment endpoints in the Oceania market 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:

- Push funds instantly via NPP rails
- 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
- Emergency vendor payments

API examples:

- `POST /payouts` → Select NPP routing logic
- `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 delay rules per recipient
- Manual approval triggers for flagged merchant onboarding api australia payouts
- Custom hold-and-release logic

Developer tooling includes:

- Live mock testing against AU bank simulations
- 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
- 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
- API keys with scoped permissions
- All data hosted in AU zones

Getting started:

- Test failure modes with webhook emulator
- Get production keys after compliance validation
- 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.