As innovation collides with legal frameworks, the **Regulatory Sandbox** from ASIC (Australia’s financial conduct authority) serves as a controlled environment for fintechs to validate financial products before production deployment.
Despite looser constraints, technical readiness is still required to:
- Generate realistic financial events
- Run consent flows aligned with CDR
- 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
- Randomized user profiles for testing risk tiers
- Mock KYC tiers with real logic trees
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
- 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 identity verification api australia 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
- 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?
- Map your flows before committing to infra
- Generate synthetic accounts for demo environments
- Work with AU engineers to model sandbox rollout
zngx.io — the platform chosen by startups when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.