In Australia’s highly regulated financial space, 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:
- 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
- Environment tagging for data segregation
- 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
- Multi-actor simulation for real-world roles
- Mock banks for testing Osko/NPP interactions
Security and compliance built into sandbox:
- Token scoping by environment
- Role-restricted access to test dashboards
- Webhook replay identity verification api australia engine with response mapping
Need to test a regulated product before raising capital or going live?
- Map your flows before committing to infra
- Generate synthetic accounts for demo environments
- Receive pre-launch audit support
zngx.io — the platform chosen by startups when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.