Modeling, HiL-simulation and dynamic prototype validation becomes more demanded as the diversity and complexity of fuel cell applications increases. Particularly the high dynamics of automotive employment and a reduced time-to-market are fertile ground for dynamic models. The testing and simulation system introduced in this paper is a tool that supports every step of fuel cell stack development, from modeling in the early design phase to end-of-line testing. As traditional testing methodology does not account for high system dynamics, transient analysis and deterministic simulation, a new concept was designed from scratch. Based on self-contained, inherently safe real-time controller and a high speed cell diagnosis system, this tool helps to derive model parameters from dynamic measurements, co-simulates the model with the physical unit, easily adapts to different testing scenarios and allows conceiving end-of-line product validation.