As product-led platforms evolve into transactional platforms, embedding Banking-as-a-Service APIs in Australia is mission-critical. Forget traditional banking partners that kill product velocity. Ambitious scale-ups now orchestrate modular banking stacks to launch: - Consumer + merchant wallet infra - BIN-linked issuing logic - Realtime payouts via NPP - Cross-border payout endpoints https://billl642rbl2.wikikali.com/user