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Realistic sandboxes for enhanced Developer Experience, that cut maintenance and support overhead for bank IT teams

Banks – API sandboxes

Simo Api Sandbox for banks one pager 2025

Delivering API Sandboxes to Fintech and Corporates

Modern banking is an ecosystem play: every new payments rail, treasury proposition or embedded‑finance initiative depends on external developers integrating quickly and safely with the bank’s APIs. Yet ad‑hoc stubs and manual “buddy testing” create bottlenecks, inflate cost and expose the bank to avoidable production incidents. A successful readiness strategy must therefore be robust, efficient and scalable—so the bank can support more Corporate customers and Fintech partners without stretching its own IT or risk teams.

XMLdation delivers the sandbox as a configurable product, not a custom project, with payments-related logic already baked in. The sandbox is configured to mirror a bank's live authentication flows, business rules and downstream processing, while remaining completely isolated from core systems. The result is a high‑fidelity test environment that developers can access 24 × 7, without exposing any bank-held customer data or draining bank resources. 

Two Sandbox Modes

Mode Purpose Typical use cases
Preview (stateless) Instant “try‑it” calls from the developer portal—ideal for discovery, and early design reviews. Solution evaluation, code scaffolding
Testing (state‑ful) Persists accounts, payments and history so end to end application flows can be tested. End to end application testing and certification

In Preview mode, a simpler security model is used, so that developers can make a first call to the Sandbox in less than a minute. The sandbox  expose synthetic or bank‑seeded test data.

Testing mode honours the bank’s security controls (OAuth 2.0, mTLS, JWT, etc.), and exposes synthetic or bank‑seeded test data that developers can reset on demand. There is also an option for developers to inject their own test data so that it matches the data in their application environment.

Platform capabilities that matter to the business

Business impact by stakeholder

  • APIs for many payment rails are already supported – from US ACH  and Wires to European PSD2 APIs, the platform already supports a broad range of positive and negative test scenarios . Easily customised to mirror bank specifics.

  • True end‑to‑end logic – payment processing steps and account information are modelled so status codes and timestamps in test runs match production behaviour.

  • Light integrations – out‑of‑the‑box connectors tie the sandbox to the bank’s developer portal, onboarding/KYC workflow and API gateway, eliminating per‑client configuration work.

  • Certified security – ISO 27001 operations and a complete air‑gap from production systems mitigate information‑security risk and simplify audit.

Stakeholder Measurable benefit
External developers / Fintechs & Corporates 24 × 7 self‑service testing, realistic data and fewer UAT defects translate into faster go-live. 
API & channel teams Productised delivery means weeks—not months—to launch. XMLdation's skilled team frees bank staff to focus on roadmap innovation instead of sandbox build,  maintenance and support.
Risk & compliance A segregated, fully traceable test environment meets internal security standards and regulator expectations without exposing production data.
Finance / operations Lower onboarding effort and reduced incident rates drive down the total cost of Corporate and Fintech integration and accelerate revenue capture.

Deployment flexibility

The API Sandboxes can run in a SaaS environment operated by XMLdation. or as a containerised component in the bank’s own Kubernetes environment—providing full control over data residency and DevSecOps integration.

 

Value for Fintech and Corporates

Easy access to good testing tools allows Fintech to deliver applications to the marketplace quickly, and allows Corporates to get up and running with Bank APIs quickly.

Value for Banks

The XMLdation API Sandboxes are feature rich, and fast to build and maintain. Banks benefit from out of the box features that deliver improved Developer Experience.

When banks use the productised XMLdation Sandboxes, they save on internal effort in the Sandbox build and maintenance phases, and the backend support team no longer has to spend time preparing per-client configurations in the bank test environments.

Value for Central Schemes

Useful in order to deliver a fully self-service and digital experience for testing and certification against scheme specifications, reducing support effort for the scheme operator.

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