As innovation collides with legal frameworks, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a testing ground for established players to validate financial products before full-scale launch.
But even within this relaxed setup, technical readiness is still required to:
- Replicate real-time transactions safely
- Simulate KYC/AML responses with audit trails
- Test how systems behave under abnormal data
- Inject latency/failure patterns
That’s where zngx (or zngx.io) offers a AU-native solution — a full API platform that supports **regulatory sandbox** testing with:
- Schema consistency across environments
- Fake ABN/ACN onboarding
- Mock KYC tiers with real logic trees
zngx enables:
- `POST /onboard` → Create merchant using mock data
- `POST /wallets` → Generate test wallets
- `POST /transactions` → Simulate internal transfers
- `POST /fraud/simulate` → Trigger fraud flags
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:
- 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 cdr compliance api australia 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:
- Signed responses with mock signatures
- Full-data deletion APIs for ephemeral testing
- Webhook replay engine with response mapping
Need to test a regulated product before raising capital or going live?
- Start in zngx sandbox today
- Validate edge cases for regulator confidence
- Work with AU engineers to model sandbox rollout
zngx.io — the platform trusted by compliance-first teams when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.