As innovation collides with legal frameworks, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a safe zone for fintechs to experiment with financial products before full-scale launch.
Despite looser constraints, compliance-minded tooling is still required to:
- Emulate live fund flows
- Run consent flows aligned with CDR
- Capture logs per regulatory format
- Mirror regulatory reporting behavior
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
- Fake ABN/ACN onboarding
- Sandbox wallets that mirror balance mechanics
zngx enables:
- `POST /onboard` → Run KYB with synthetic ABNs
- `POST /wallets` → Set mock balances
- `POST /transactions` → Create external bank payout logic
- `POST /fraud/simulate` → Inject fake chargebacks
Ideal use cases include:
- BNPL apps simulating repayment logic
- 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
- Environment tagging for data segregation
- Ledger isolation for financial integrity testing
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:
- Support for compliance documentation generation
- Risk scenario builder to test fraud detection models
- CDR-ready consent lifecycle tools
Security and compliance built into sandbox:
- Signed responses with mock signatures
- Role-restricted access to test merchant onboarding api australia dashboards
- Realistic payloads with toggleable anomalies
Need to test a regulated product before raising capital or going live?
- Start in zngx sandbox today
- Validate edge cases for regulator confidence
- Receive pre-launch audit support
zngx.io — the platform trusted by compliance-first teams when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.