With digital-native businesses demanding built-in finance features, embedding Banking-as-a-Service APIs in the Australian fintech sector is mission-critical. Gone are the days of building bank integrations manually. Ambitious scale-ups now orchestrate modular banking stacks to prototype: - Consumer + merchant wallet infra - BIN-linked issuing logic - Instant local transfers - https://nathanielj172hhi9.wikirecognition.com/user