A Plaid sandbox alternative with coherent bank data.
Plaid's sandbox gives canned institutions. Fictix gives a bank feed that matches the same company's invoices, payouts and payroll.
What you get
Plaid-shaped accounts, balances and transactions (/transactions/get-style) for the company's operating and payroll accounts — deposits, ACH, card spend, transfers — with realistic descriptions and timing.
Coherent by construction
Every bank line has a cause elsewhere: a deposit is a Stripe payout, a debit is a vendor bill paid in QuickBooks, a run matches Gusto payroll. This is what makes real bank reconciliation and cash-flow features testable instead of hand-waved.
Plant the bank-side traps
A transfer that never clears, a duplicate ACH, a payout that doesn't net to fees — plant them and measure detection. Advance the clock and the feed keeps arriving like a live institution.
Questions
How is this better than Plaid's sandbox?
Plaid's sandbox accounts are isolated. Fictix's bank feed belongs to a whole company, so every transaction has a matching cause in accounting, payments or payroll.
Can I test bank reconciliation end to end?
Yes — deposits map to payouts, debits to paid bills, and runs to payroll, so reconciliation logic is tested against coherent data, not guesses.