I think you are confusing things for readers. Let me know if I am wrong in following statement. i think safe site and money site are same in your case.
Your moneysite and safe site are same. You wanted to test your cloaking campaign for fake site (that is displayed to ad network you are using) and safesite/moneysite (the site actual user sees)
If this is the case, you must try to run a small campaign on your actual location. Say you are in USA, you must run a campaign for use and click ads. Otherwise, you can use vpn, useragent switches, ask couple of people to click on ads from target location etc.
Broadly, you must have a list of checks you applied in your cloaker. Cross check them one by one. You might be able to cross check many of the checks you applied without clicking ads. While testing it for real ads, you can use useragent switch, have a real audiance for targeted location without any vpn or so.