I have noticed that the sandbox does not simulate the user experience of the CIP transfer account sign-up process. Once you type in your email/password and business name, it prompts the user to allow the requested scopes, and then that's it. No setting up a funding source, or providing SSN, etc. all of which will be necessary in production, I imagine.
Also, the CIP account requires a business name. What if I would like to facilitate transactions between two individuals? Could they put their full name as their "business name"?