Within the complex AU compliance landscape, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a testing ground for early-stage ventures to experiment with financial products before production deployment.
While bypassing full licensing, compliance-minded tooling is still required to:
- Replicate real-time transactions safely
- Create realistic but non-production wallets
- Model complex error/fraud conditions
- 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:
- Schema consistency across environments
- Synthetic identity support
- Sandbox wallets that mirror balance mechanics
zngx enables:
- `POST /onboard` → Run KYB with synthetic ABNs
- `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
- Remittance services testing FX/settlement models
zngx’s sandbox mode provides:
- Webhook simulators for events
- 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 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 fintech api documentation rollout
zngx.io — the platform designed for high-stakes testing when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.