Within the complex AU compliance landscape, 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
- Test how systems behave under abnormal data
- Design edge cases without harming users
That’s where zngx (or zngx.io) offers a AU-native solution — a full API platform that supports **regulatory sandbox** testing with:
- Identical request/response structures
- Synthetic identity support
- Sandbox wallets that mirror balance mechanics
zngx enables:
- `POST /onboard` → Flag onboarding tiers with simulated AML results
- `POST /wallets` → Generate test wallets
- `POST /transactions` → Create external bank payout logic
- `POST /fraud/simulate` → zngx Inject fake chargebacks
Ideal use cases include:
- SaaS tools testing open banking integrations
- Hospitality platforms testing tipping payouts
- Wealthtech firms validating ledger logic
zngx’s sandbox mode provides:
- Webhook simulators for events
- Environment tagging for data segregation
- 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:
- 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
- Role-restricted access to test dashboards
- Realistic payloads with toggleable anomalies
Need to test a regulated product before raising capital or going live?
- Map your flows before committing to infra
- White-label your test app without production data exposure
- Receive pre-launch audit support
zngx.io — the platform chosen by startups when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.