As digital ecosystems evolve into transactional platforms, embedding Banking-as-a-Service APIs in Australia is mission-critical. Forget traditional banking partners that kill product velocity. Product-led startups now orchestrate modular banking stacks to prototype: - Consumer + merchant wallet infra - BIN-linked issuing logic - Instant local transfers - Multi-currency support with FX https://guyd950aay5.wikicommunications.com/user