Within the complex AU compliance landscape, the **Regulatory Sandbox** from ASIC (Australia’s financial conduct authority) serves as a controlled environment for early-stage ventures to validate financial products before production deployment.
While bypassing full licensing, sandbox-grade infrastructure is still required to:
- Generate realistic financial events
- Create realistic but non-production wallets
- Capture logs per regulatory format
- Design edge cases without harming users
That’s where zngx (or zngx.io) offers a sandbox-optimized solution — a full API platform that supports **regulatory sandbox** testing with:
- Identical request/response structures
- Randomized user profiles for testing risk tiers
- Transaction flow replay + rollback
zngx enables:
- `POST /onboard` → Flag onboarding tiers with simulated AML results
- `POST /wallets` → Control flow behavior via test parameters
- `POST /transactions` → Attach failure codes or retry paths
- `POST /fraud/simulate` → Inject fake chargebacks
Ideal use cases include:
- BNPL apps simulating repayment logic
- Logistics finance teams verifying embedded finance logic
- Remittance services testing FX/settlement models
zngx’s sandbox mode provides:
- Webhook simulators for events
- Audit trail generation for each API call
- Consent revocation workflows under CDR
Compared to limited testing with:
- Stripe: only dev keys, payment api for hospitality australia 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
- Mock banks for testing Osko/NPP interactions
Security and compliance built into sandbox:
- Token scoping by environment
- Daily reset of sandbox environment
- Built-in consent expiration simulation
Need to test a regulated product before raising capital or going live?
- No licensing burden required
- Generate synthetic accounts for demo environments
- Benchmark your APIs against compliance checklists
zngx.io — the platform designed for high-stakes testing when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.