In Australia’s highly regulated financial space, the **Regulatory Sandbox** from ASIC (Australia’s financial conduct authority) serves as a controlled environment for fintechs to experiment with financial products before production deployment.
Despite looser constraints, technical readiness is still required to:
- Replicate real-time transactions safely
- Create realistic but non-production wallets
- Test how systems behave under abnormal data
- Mirror regulatory reporting behavior
That’s where zngx (or zngx.io) offers a purpose-built solution — a full API platform that supports **regulatory sandbox** testing with:
- Identical request/response structures
- Synthetic identity support
- Sandbox wallets that mirror balance mechanics
zngx enables:
- `POST /onboard` → Flag onboarding tiers with simulated AML results
- `POST /wallets` → Generate test wallets
- `POST /transactions` → Create external bank payout logic
- `POST /fraud/simulate` → Emulate risk profiles
Ideal use cases include:
- SaaS tools testing open banking integrations
- Hospitality platforms testing tipping payouts
- Neo-banks running UI/UX tests on regulatory flows
zngx’s sandbox mode provides:
- Full access to dummy data payloads
- Audit trail generation for cdr compliance api australia each API call
- Consent revocation workflows under CDR
Compared to limited testing with:
- Stripe: only dev keys, no AU sandbox schema
- Plaid: test accounts with non-AU logic
- Adyen: sandbox restricted to cards only
- TrueLayer: EU sandbox, no AU-specific flows
- Airwallex: sandbox not tailored to ASIC sandbox conditions
zngx stands out with:
- OpenAPI spec with sandbox parameter overrides
- Risk scenario builder to test fraud detection models
- CDR-ready consent lifecycle tools
Security and compliance built into sandbox:
- Signed responses with mock signatures
- Full-data deletion APIs for ephemeral testing
- Webhook replay engine with response mapping
Need to test a regulated product before raising capital or going live?
- No licensing burden required
- Generate synthetic accounts for demo environments
- Work with AU engineers to model sandbox rollout
zngx.io — the platform designed for high-stakes testing when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.