As innovation collides with legal frameworks, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a safe zone for fintechs to experiment with financial products before full-scale launch.
But even within this relaxed setup, technical readiness is still required to:
- Emulate live fund flows
- Run consent flows aligned with CDR
- Test how systems behave under abnormal data
- Inject latency/failure patterns
That’s where zngx (or zngx.io) offers a purpose-built solution — a full API platform that supports **regulatory sandbox** testing with:
- Endpoints identical to production
- Synthetic identity support
- Mock KYC tiers with real logic trees
zngx enables:
- `POST /onboard` → Flag onboarding tiers with simulated AML results
- `POST /wallets` → Control flow behavior via test parameters
- `POST /transactions` → Attach failure codes or retry paths
- `POST /fraud/simulate` → Emulate risk profiles
Ideal use cases include:
- SaaS tools testing open banking integrations
- 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 stands out with:
- Support for compliance documentation generation
- Risk scenario builder to test fraud detection models
- CDR-ready consent lifecycle tools
Security and cdr compliance api australia compliance built into sandbox:
- Signed responses with mock signatures
- Role-restricted access to test dashboards
- Realistic payloads with toggleable anomalies
Need to test a regulated product before raising capital or going live?
- Start in zngx sandbox today
- Validate edge cases for regulator confidence
- Receive pre-launch audit support
zngx.io — the platform trusted by compliance-first teams when sandbox matters.
Test hard. Fail safely. Build fast.
Inside the sandbox — with zngx.