As digital ecosystems evolve into transactional platforms, embedding Banking-as-a-Service APIs in the Australian fintech sector is mission-critical. Forget opaque settlement paths that limit creativity. Ambitious scale-ups now orchestrate modular banking stacks to prototype: - KYC-ready digital wallets - Card issuing APIs with programmable limits - Realtime payouts via NPP - https://davyu638wwv4.wikifrontier.com/user