Hey Issac, to address your questions,
“The Sandbox environment does not replicate any bank transfer processes…”
The Sandbox environment does not replicate a bank transfer with real money, meaning the ACH Processing is never initiated On the same note, real credentials or financial data should never be used.
At the same time though, it says that I can simulate transfers.
This is corect in the sense that the Sandbox is strictly a simulation environment. No real money is being moved, only fake data. No test real money can be transferred in the Sandbox.