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 validate financial products before full-scale launch.
But even within this relaxed setup, sandbox-grade infrastructure is still required to:
- Emulate live fund flows
- Create realistic but non-production wallets
- Test how systems behave under abnormal data
- Design edge cases without harming users
That’s where zngx (or zngx.io) offers a AU-native 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` → Control flow behavior via test parameters
- `POST /transactions` → Simulate internal transfers
- `POST /fraud/simulate` → Trigger fraud flags
Ideal use cases include:
- BNPL apps simulating repayment logic
- Logistics finance teams verifying embedded finance logic
- Wealthtech firms validating ledger logic
zngx’s sandbox mode provides:
- Customizable delays, failures, and data anomalies
- Real-time log viewer with trace IDs
- Multi-step KYC with adjustable outcomes
Compared to limited testing with:
- Stripe: only dev keys, no AU sandbox schema
- Plaid: test accounts embedded finance platform australia 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
- Built-in consent expiration simulation
Need to test a regulated product before raising capital or going live?
- No licensing burden required
- Validate edge cases for regulator confidence
- 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.