Sandbox · simulated money
Money software you can test before it is real
The 21 Group is building a fintech service: an account, transfers between members and a card, inside every 21 Group service, behind one 21 ID sign-in. Before a single euro of real money is involved, the software opens as a sandbox — simulated money, no bank connection, nothing at risk — so members can test it, find what is unclear, and help shape it.
Try the sandbox
Create a 21 ID account
Sign in with 21 ID — Google, Facebook, Microsoft or your account number. You start with €1,000 of simulated money.
What the sandbox lets you do
An account with a balance
Every member gets a simulated account number and €1,000 to start. The balance, the statement and every movement look and behave as they will in the real service.Transfers to other members
Send simulated money to another sandbox member by e-mail or account number, confirm with your PIN, and watch it arrive on their statement at once.A virtual card
A card you can freeze and unfreeze with one tap — the control a real card will have. Its number is deliberately not a real card number.Tell us what is wrong
Every screen has the group feedback link. What testers report now decides what the real service looks like.Security — built to the standard a licensed service needs
One identity
Sign-in only through 21 ID; no separate password to lose. Sessions expire when idle and are tied to this browser.A PIN for every movement of money
Transfers need a separate transaction PIN, stored only as a one-way hash; five wrong tries lock it for thirty minutes.Books that always balance
Double-entry ledger: every transfer is two entries that sum to zero, written in one atomic step with both accounts locked. The books can be audited at any moment.Limits and an audit trail
Per-transfer limits, a rate limit per person, form tokens against forgery, strict browser headers, and an append-only log of who did what, from where, when.The road to a real service
- 21 ID and 21myPay — one sign-in for every service and a central till for subscriptions (PayPal and cards). Live today.
- Sandbox — this site. Simulated money, real software. Members test; we harden.
- Licence application — the authorisation a payment or e-money service needs from the supervisory authority: capital, safeguarding of client funds, anti-money-laundering controls, audited systems. Nothing here goes live without it.
- Real operation — only after approval, under the licence conditions and with a regulated partner for the connection to the payment system.
Important: this sandbox is not a bank, a payment institution or an electronic-money institution, holds no client funds and offers no financial service. All amounts are simulated.