In Australia’s highly regulated financial space, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a safe zone for established players to experiment with financial products before obtaining licenses.

In Australia’s highly regulated financial space, the **Regulatory Sandbox** from ASIC (Australian Securities & Investments Commission) serves as a controlled environment for early-stage ventures to trial financial products before obtaining licenses.

While bypassing full licensing, sandbox-grade infrastructure 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:

- Webhook simulators for events
- Audit trail generation for each API call
- Consent revocation workflows under CDR

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 zngx vs plaid open banking comparison 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:

- Session tracking across test flows
- Daily reset of sandbox environment
- Built-in consent expiration simulation

Need to test a regulated product before raising capital or going live?

- No licensing burden required
- White-label your test app without production data exposure
- Benchmark your APIs against compliance checklists

zngx.io — the platform designed for high-stakes testing when sandbox matters.

Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.