generated: '2026-07-20'
method: searched
source: https://docs.modernfi.com/topics/using-the-sandbox
summary: >-
  ModernFi provides a sandbox that runs on the same production-grade
  infrastructure and the SAME production endpoints as live, but scopes all
  activity to a separate, isolated institution provisioned for your testing.
  There is no separate sandbox hostname or test key prefix — the environment is
  determined by the credentials you are issued.
model:
  separation: isolated-institution
  key_prefix: none
  endpoints:
    auth: https://auth.modernfi.com
    api: https://api.modernfi.com
  note: >-
    Production endpoints are used in sandbox mode; the institution behind the
    sandbox credentials is flagged as test so no real customer or cross-institution
    data is touched.
credentials:
  issuance: Sandbox-specific Client ID / Client Secret provisioned by ModernFi
  delivery: SendSafely (secure transfer)
  note: No self-serve/published test credentials — obtained via onboarding.
automation:
  daily_allocation_job: true
  interest: Interest amounts may not reflect exact production rates.
  statements:
    monthly: Generated on the same cadence as production.
    mid_month_on_demand: false
    branding: Sandbox statements do not include institution branding.
test_values: []
notes: >-
  ModernFi does not publish magic/test identifiers (test card numbers, test
  IBANs, etc.); the sandbox is a fully isolated live-shaped institution rather
  than a fixture-token model. No test values are invented here.