Haven't picked your core yet? Start building anyway.
The Universal Sandbox is FINx1's built-in simulated banking provider. Build your app, your flows and your brand — and test it all in mobile apps and on the web — before you've decided on a ledger, BaaS or core banking provider.
The provider / 01
What is the Universal Sandbox?
The Universal Sandbox is a full simulated banking provider inside FINx1, built to behave like the breadth of real cores and BaaS platforms. It supports current accounts, savings (fixed-term, easy-access and notice), lending (fixed-term loans, revolving credit and credit cards), card issuance, payments across SEPA, SWIFT, UK Faster Payments and ABA/wire, open banking, and FX — everything you need to build a complete proposition.
Choosing a provider is one of the slowest steps in launching a fintech — procurement, due diligence and commercials can take months. The Universal Sandbox means those months aren't dead time: your product is designed, built and tested on real devices before the contract is signed, and switches to your chosen provider when it is.
- 01Every major financial product, simulated
- 02Real rails modelled: SEPA, SWIFT, FPS, ABA/wire
- 03Test in mobile apps and on the web
- 04Swap in your real provider when you've chosen
What you can build / 02
Products on the Universal Sandbox rails.
The breadth of a full banking stack, available from day one — no provider contract required.
Current accounts
Full current account journeys — balances, transactions, statements — running on simulated ledgers.
Savings
Fixed-term, easy-access and notice savings products, with the rates, terms and flows you plan to launch.
Lending
Fixed-term loans, revolving credit and credit cards — build the application, servicing and repayment journeys.
Cards
Card issuance, controls and transaction flows, ready to point at a real issuer processor later.
Payments & FX
SEPA, SWIFT, UK Faster Payments and ABA/wire transfers, plus FX and multi-currency — all simulated end to end.
Open banking
Account aggregation and payment-initiation journeys, testable before you pick your open banking provider.
The Universal Sandbox is a simulated environment: no real money moves and no licence is needed to build and test. To go live, you connect a regulated provider — FINx1's pre-built integrations make that the last step, not the first.
Product tour / 03
Inside the Universal Sandbox
Real product mechanics
Products that behave like the real thing
Savings products come with dated, rate-pinned issues, AER calculations and payout schedules — publish a new issue and it supersedes the old one on its effective date. Lending products handle disbursement, repayment and settlement. You're testing genuine product mechanics, not mocked screens.
FX & payments
Rails and rates you can actually configure
Set FX margins in basis points per currency pair, override rates, and quote against a live customer rate card. Send payments over simulated SEPA, SWIFT, Faster Payments and ABA/wire rails, with a fee engine that previews exactly what any transaction would be charged.
Operations included
A full back office from day one
The sandbox includes the operation behind the journeys, not only the customer-facing screens. KYC queues and rules, screening cases, servicing queues with SLAs (complaints, bereavement, enhanced due diligence), fees, billing, a full ledger and regulatory-style reporting. Your ops team can rehearse before launch, not after.
Developer-grade
Signed webhooks and a full event catalogue
Every action emits events — cards created, beneficiaries added, transactions posted — delivered to your endpoint with HMAC-signed payloads, inspectable and replayable. When you do bring engineers in, the plumbing is already production-shaped.
Delivery / 04 steps
From provider to app store.
Start in the sandbox
Skip provider procurement for now — the Universal Sandbox is switched on from day one.
Build your journeys
Design your app, flows and brand in the no-code studio against realistic accounts, payments and products.
Test on real devices
Run the full experience in mobile apps and on the web — demo it to your team, investors and early users.
Swap in your provider
When you choose your core, BaaS or ledger, connect the real integration — your journeys and brand carry over.
Your next release / Start here
Put the product
in customers’ hands.
Bring the proposition. We’ll show you the shortest credible route from concept to a governed, live service.
30 minutes · No generic sales deck