As innovation collides with legal frameworks, the **Regulatory Sandbox** from ASIC (Australian Securities & Investments Commission) serves as a safe zone for established players to trial financial products before full-scale launch.
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
- 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 not tailored to ASIC sandbox conditions
zngx stands out with:
- Prebuilt test cases aligned with ASIC’s sandbox guidelines
- Migration pathway embedded finance platform australia from sandbox to production with no endpoint change
- Full script library for automated test sequences
Security and compliance built into sandbox:
- Session tracking across test flows
- Daily reset of sandbox environment
- Realistic payloads with toggleable anomalies
Need to test a regulated product before raising capital or going live?
- Start in zngx sandbox today
- White-label your test app without production data exposure
- Benchmark your APIs against compliance checklists
zngx.io — the platform trusted by compliance-first teams when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.