Within the complex AU compliance landscape, 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.
Despite looser constraints, technical readiness is still required to:
- Generate realistic financial events
- Run consent flows aligned with CDR
- Capture logs per regulatory format
- Inject latency/failure patterns
That’s where zngx (or zngx.io) offers a sandbox-optimized solution — a full API platform that supports **regulatory sandbox** testing with:
- Endpoints identical to production
- Fake ABN/ACN onboarding
- Transaction flow replay + rollback
zngx enables:
- `POST /onboard` → Create merchant using mock data
- `POST /wallets` → Set mock balances
- `POST /transactions` → Attach failure codes or retry paths
- `POST /fraud/simulate` → Emulate risk profiles
Ideal use cases include:
- SaaS tools testing open banking integrations
- Hospitality platforms testing tipping payouts
- Neo-banks running UI/UX tests on regulatory flows
zngx’s sandbox mode provides:
- Full access to dummy data payloads
- 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 stands out with:
- Prebuilt test cases aligned with ASIC’s sandbox guidelines
- Migration pathway 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
- Receive pre-launch audit support
zngx.io — the platform chosen by startups when fraud detection api australia sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.