Sandbox

Sandbox mode

Smart Pay Engine runs as a public sandbox so you can explore the product end-to-end without connecting a real bank account. This page explains exactly what's real, what's simulated, and why.

Real

• Double-entry ledger — every transaction is balanced and immutable.
• Row-level security — you only ever see your own accounts, transactions, and payees.
• 4-digit PIN — verified server-side (bcrypt) before any money-moving RPC.
• Idempotency keys — retried submits never post duplicate transactions.
• Realtime updates — balances and activity refresh on ledger change.
• AI-parsed intents — Hive & the assistant use live LLM calls.

Simulated

• Money movement — no funds leave any real bank. "Funding" is a synthetic counterparty account.
• FX rates — fixed sandbox mid-rates with a 0.5% spread, not a live feed.
• Payees — bank refs are illustrative and don't route anywhere.
• Invoice reminders — logged to the database, not emailed.
• Team & approvals — demo data only; not backed by real roles yet.
• Reversal analysis — scored by the real engine, but no card network is contacted.

Do not use for real money

This environment is for demonstrations, testing, and exploring the API. Do not enter real bank credentials, real card numbers, or PII you would not paste into a public form.