{
  "object": "list",
  "data": [
    {
      "area": "Identity and business checks",
      "sandbox": "Outcomes come from the test values; no data leaves the sandbox.",
      "production": "Checks run with the verification providers under the Sponsor Bank's CIP program."
    },
    {
      "area": "One-time codes",
      "sandbox": "Always 123456; no text message is sent.",
      "production": "Sent by text message to the customer's mobile number."
    },
    {
      "area": "RTP network",
      "sandbox": "Simulated by the amount's cents or by the payer's bank responses in the portal.",
      "production": "TCH RTP through the Sponsor Bank."
    },
    {
      "area": "Bank linking",
      "sandbox": "The bank-linking simulator with six test banks.",
      "production": "Plaid Link with real institutions."
    },
    {
      "area": "Passkeys",
      "sandbox": "Simulated enrollment and use.",
      "production": "The device's own passkey prompt (WebAuthn)."
    },
    {
      "area": "Time",
      "sandbox": "Each workspace has a clock that can be moved forward.",
      "production": "Real time only."
    },
    {
      "area": "Chaos options",
      "sandbox": "Duplicate, out-of-order and failed deliveries and API errors on request.",
      "production": "Not available; the same retry rules apply."
    },
    {
      "area": "Hosted screens without a customer",
      "sandbox": "Sessions can be completed by the portal or POST /v1/sandbox/sessions/{id}/complete.",
      "production": "Not available."
    },
    {
      "area": "Statements",
      "sandbox": "PDF marked SANDBOX.",
      "production": "Statements from the Digital Account program."
    },
    {
      "area": "Credentials",
      "sandbox": "Keys start with cli_sbx_, sk_sbx_, pk_sbx_ and whsec_.",
      "production": "Issued after certification, with production prefixes."
    },
    {
      "area": "Limits, fees, retries, idempotency, pagination, errors",
      "sandbox": "Same rules as production; limits and fees are configurable for testing.",
      "production": "Program values agreed with FINAP USA LLC and the Sponsor Bank."
    }
  ]
}