In today’s fast-moving financial landscape, the demand for instant fund transfer APIs in Australia has become critical.

With consumers and businesses expecting real-time settlement, the demand for low-latency payment endpoints in Australia has skyrocketed.

Thanks to the Osko infrastructure, instant disbursement 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:

- Enable instant outbound settlements
- Route transactions with real-time metadata
- Track payment state across ledger, network, and recipient

Core use cases include:

- Marketplace payouts to multiple sellers
- Loan disbursement immediately upon approval
- POS refunds in real-time

API examples:

- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Track payout result
- `POST /payouts/bulk` → Receive aggregated webhook status
- `POST /wallets/transfer` → Enable flow-based authorization
- `GET /payouts/fees` → Forecast payout cost instantly

zngx supports:

- Custom delay rules per recipient
- Manual approval triggers for flagged payouts
- Notifications to sender/receiver on failure or success

Developer tooling includes:

- Webhook simulator for success/failure events
- Test harness to simulate multi-vendor payout edge cases
- Audit logs tagged with trace ID per transaction

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:

- Test failure modes with webhook zngx.io emulator
- Access live support from AU-based engineers
- Migrate from batch-based systems using mapping tools

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.