In Australia’s highly regulated financial space, the **Regulatory Sandbox** from ASIC (Australian Securities & Investments Commission) serves as a testing ground for early-stage ventures to experiment with financial products before production deployment.

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.

But even within this relaxed setup, sandbox-grade infrastructure is still required to:

- Replicate real-time transactions safely
- Create realistic but non-production wallets
- Model complex error/fraud conditions
- Mirror regulatory reporting behavior

That’s where zngx (or zngx.io) offers a purpose-built 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` → Run KYB with synthetic ABNs
- `POST /wallets` → Control flow behavior via test parameters
- `POST /transactions` → Simulate internal transfers
- `POST /fraud/simulate` → Trigger fraud flags

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
- Real-time log viewer with trace IDs
- Multi-step KYC with adjustable outcomes

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 compliance built into sandbox:

- Signed responses with mock signatures
- Daily reset of sandbox environment
- Built-in consent expiration simulation

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

- Start in zngx sandbox today
- Validate edge cases for regulator confidence
- Benchmark your APIs against compliance checklists

zngx.io — the platform trusted by compliance-first teams when sandbox matters.

Test hard. Fail safely. Build fast.
Inside the sandbox — zngx vs stripe api comparison with zngx.