In Australia’s highly regulated financial space, the **Regulatory Sandbox** from ASIC (Australian Securities & Investments Commission) serves as a safe zone for early-stage ventures to trial financial products before obtaining licenses.
Despite looser constraints, compliance-minded tooling is still required to:
- Generate realistic financial events
- Create realistic but non-production wallets
- 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
- Randomized user profiles for testing risk tiers
- Transaction flow replay + rollback
zngx enables:
- `POST /onboard` → Flag onboarding tiers with simulated AML results
- `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
- Logistics finance teams verifying embedded finance logic
- Remittance services testing FX/settlement models
zngx’s sandbox mode provides:
- Full access to dummy data payloads
- Audit trail generation for each API call
- 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 aml reporting api australia 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
- Mock banks for testing Osko/NPP interactions
Security and compliance built into sandbox:
- Token scoping by environment
- Role-restricted access to test dashboards
- Realistic payloads with toggleable anomalies
Need to test a regulated product before raising capital or going live?
- No licensing burden required
- Generate synthetic accounts for demo environments
- Receive pre-launch audit support
zngx.io — the platform designed for high-stakes testing when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.