Open Banking Sandbox & Marketplace
Open Banking Sandbox and Marketplace
Safely test, publish, onboard, and monetize your open banking APIs from one platform. DigitalAPI gives fintechs a compliant sandbox with synthetic data and consent flows for testing, plus a white-label marketplace for developers and partners to discover, test, and subscribe to your APIs.
ISO 27001 certified
Supports PSD2 and Open Banking requirements
Trusted by 240+ API teams
From cloud-first banks to global telcos
Definition
What is an open banking sandbox and marketplace?
An open banking sandbox is a controlled, isolated environment that simulates a bank's open banking APIs, so fintechs and partners can build and test against realistic, synthetic data with consent and authentication flows, without ever touching live systems or real customer information.
An open banking marketplace is where those APIs are published as products that third parties can discover, subscribe to, and onboard themselves: the route from a successful test to a live integration.
Together they turn a regulatory obligation into a commercial channel. Test safely, publish openly, onboard self-serve, and monetize, all while staying aligned with open banking requirements.
Sandbox
Where fintechs test safely against synthetic data with consent and SCA flows, before anything goes live.
Marketplace
Where APIs are published as products so fintechs discover, subscribe, and onboard themselves. DigitalAPI gives you both.
How it works
How does open banking work with DigitalAPI?
You go from existing open banking APIs to a compliant, self-serve marketplace in four steps, on top of the gateways you already run.
Expose your open banking APIs
Connect the gateways you already run and aggregate your account and payment APIs into one catalog, no rip-and-replace.
Spin up a compliant sandbox
Give partners a production-like environment with synthetic data and consent and authentication flows, so they build safely and never touch live systems.
Publish a white-label marketplace
Publish APIs as products with documentation and subscription plans so fintechs discover, subscribe, and integrate on their own.
Govern and monetize
Enforce consent, access, throttling, and data-handling policies, capture full audit logs, and package APIs into monetizable products with usage and revenue tracking.
Built for open banking compliance
Open banking is unforgiving on compliance. DigitalAPI builds the controls regulators and security teams expect into the sandbox and marketplace, so you can open up safely and prove it.
Synthetic data, no PII
Realistic, production-like test data with no real customer information.
Consent management
Model consent capture and revocation the way open banking flows require.
Strong customer authentication
Test SCA, OAuth, and OIDC flows exactly as partners will use them.
Financial-grade security
Scoped tokens and access patterns built for regulated, sensitive data.
PSD2 and Open Banking
Support OBL and PSD requirements, with room for regional standards.
Policy enforcement
Access, throttling, and data-handling rules across every API and partner.
Full audit trail
Complete logs, approvals, and usage history for regulatory confidence.
TPP access controls
Verify, scope, and manage third-party access from one place.
Why DigitalAPI
Why choose DigitalAPI for open banking?
Legacy platforms make you adopt their stack and lock you in. DigitalAPI sits on top of the gateways you already run and adds the sandbox, marketplace, compliance, and monetization layer.
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Compliant sandbox with consent flows
Provision production-like test environments with synthetic data and consent and SCA flows, so partners build and validate without touching live systems or real data.
See the sandbox →
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White-label marketplace and onboarding
Publish APIs in your branded portal with docs, keys, and subscription plans, so fintechs discover, subscribe, and onboard themselves, with no back-and-forth.
See the portal →
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Policy-driven governance and compliance
Enforce consent, access, throttling, and data-handling policies across every API and partner, and capture complete logs and approvals for regulatory confidence.
See governance →
Built-in monetization
Package open banking APIs into products with custom plans and subscriptions, and turn a compliance program into a new revenue stream.
See monetization →
How we compare
How does DigitalAPI compare to other open banking approaches?
Most open banking platforms lock you into their standards, gateway, or rails. DigitalAPI sits across your existing gateways, giving you one layer to test, publish, govern, and monetize open banking APIs.
Capability
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Open banking specialists
Gateway-native accelerators
Sandbox / aggregators
Works across your existing gateways
Every gateway
Own stack
One gateway
Their rails
Compliant sandbox, synthetic data
Mock data
Consent & SCA flows
Framework
Varies
White-label marketplace & onboarding
Built in
Varies
Portal
Built-in monetization
Built in
Some
Add-on
Some
Governance & audit trail
Yes
Strong
Gateway-level
Limited
Standards support (PSD2, OBL)
PSD2 & OBL
Strong
Per spec
Varies
Multi-gateway unified catalog
Works across your existing gateways
Every gateway
Open banking specialists
Own stack
Gateway-native accelerators
One gateway
Sandbox / aggregators
Their rails
Compliant sandbox, synthetic data
Open banking specialists
Gateway-native accelerators
Mock data
Sandbox / aggregators
Consent & SCA flows
Open banking specialists
Gateway-native accelerators
Framework
Sandbox / aggregators
Varies
White-label marketplace & onboarding
Built in
Open banking specialists
Varies
Gateway-native accelerators
Portal
Sandbox / aggregators
Built-in monetization
Built in
Open banking specialists
Some
Gateway-native accelerators
Add-on
Sandbox / aggregators
Some
Governance & audit trail
Yes
Open banking specialists
Strong
Gateway-native accelerators
Gateway-level
Sandbox / aggregators
Limited
Standards support (PSD2, OBL)
PSD2 & OBL
Open banking specialists
Strong
Gateway-native accelerators
Per spec
Sandbox / aggregators
Varies
Multi-gateway unified catalog
Open banking specialists
Gateway-native accelerators
Sandbox / aggregators
Outcomes
What results can you expect?
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14d
From signed contract to first onboarded developer.
5x
Faster partner onboarding than stitching gateway portals.
Zero
Gateways you have to rip out and replace.
100%
Of partner activity captured for audit.
Frequently asked questions
Open banking FAQs
What is an open banking sandbox?
An open banking sandbox is a controlled, isolated environment that simulates a bank's open banking APIs, so fintechs and partners can build and test against realistic, synthetic data with consent and authentication flows, without ever touching live systems or real customer information.
How is test data kept safe and compliant?
Sandboxes use synthetic, production-like data with no real customer information, and they are isolated from production. Consent capture and strong customer authentication can be modeled exactly as partners will use them, so high-risk flows are tested without exposing PII.
Which open banking standards does it support?
DigitalAPI supports Open Banking (OBL) and PSD requirements with policy-driven governance and reporting, with room for regional standards. Confirm coverage for your specific market and standard with the team before relying on it.
How do you monetize open banking APIs?
Package APIs into products with custom plans and subscriptions, track usage, and feed it into billing. You get a unified view of usage and revenue, and consumers can track their own usage too, so a compliance program becomes a commercial channel.
What is the difference between an open banking sandbox and a marketplace?
The sandbox is where fintechs test safely against synthetic data with consent and SCA flows. The marketplace is where those APIs are published as products that third parties can discover, subscribe to, and onboard themselves. DigitalAPI provides both in one platform.
Do we have to replace our existing API gateway?
No. DigitalAPI is gateway-agnostic and sits on top of the gateways you already run, such as Apigee, Kong, AWS, and Azure. You deliver open banking without ripping out infrastructure or migrating APIs.
How do fintechs onboard?
Through a white-label marketplace. Fintechs discover APIs, get keys, subscribe to a plan, and test in the sandbox, then go live, all self-serve, with no back-and-forth support tickets.
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