Within the complex AU compliance landscape, the **Regulatory Sandbox** from ASIC (the country’s fintech regulator) serves as a testing ground 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:
- 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` → Create external bank payout logic
- `POST /fraud/simulate` → Emulate risk profiles
Ideal use cases include:
- SaaS tools testing open banking integrations
- Hospitality platforms testing tipping payouts
- 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
- Migration pathway from sandbox to production with no endpoint change
- 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 https://zngx.io/ 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 — with zngx.