Fintory is a modular fintech factory platform that lets you launch and scale digital wallets, digital banks, credit cards, FX, and loyalty programs with a built-in rules engine and KYC/AML compliance.

Can I choose only the modules I need?

Yes. Each Fintory module deploys independently and is fully configurable — pick the modules that fit your business and pay only for what you use.

Does Fintory include compliance features?

Yes. KYC, AML, regulatory reporting, full audit trail and automatic documentation are built in and production-ready from day one.

Can I configure rules without coding?

Yes. Fees, limits, compliance triggers and approval flows are configured visually from a no-code rules engine — no developers needed.

What is AI Adaptive Risk & Credit Intelligence?

It is a Fintory module that fuses behavioral signals with transactional credit rules for adaptive risk scoring — enabling dynamic credit limits, real-time exposure control and self-learning approval flows. For example, a low transactional credit score combined with behavioral anomalies such as a new device or unusual location can automatically lower the credit limit, trigger step-up KYC and increase the risk score.

Back to queue

Sunrise Retail Pte Ltd

Wong Jason · UEN 202012345B · APP-DMO02

Unified Score

Block

Cross-Institution Fraud Intelligence Override

A consortium-verified sanctions hit or confirmed fraud case blocks the facility regardless of the score. This is the fourth, independent data source.

Override Source

Reason / Reference

AI Decision Fusion

Real-time synthesis of 4 independent risk modules

Confidencehigh

Scoring Metrics

Block45/100

payment conduct76

cashflow0

credit report72

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Sunrise Retail Pte Ltd scores 45/100 (block). Anti-Fraud: 0 alert(s), 0 high severity. Compliance: 9 active rule(s). Fraud Intelligence: clear. No module conflicts — modules agree on the current tier.

Recommendation

Proceed per the current block tier.

Interactive What-If

Narrative Summary

Risk tier CLEAR — score 81.

Reason: Score recovered — collateral improvement detected.

Score Breakdown

Payment Conduct · 30%76

Cashflow · 25%0

Credit Report · 20%72

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%52

Flagged as weak

Collateral · 5%44

Decision Trace

Portfolio reset — bucket: strong, score: 81, adverse: 0
--- Live Monitoring [2026-08-12T14:34] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 81 → 80, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:36] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 80 → 78, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:37] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 78 → 77, tier CLEAR → BLOCK
--- Live Monitoring [2026-08-12T15:16] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 77 → 74, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T15:22] ---
Recovery: cashflow restored +8 → score 74 → 76, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:22] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 76 → 76, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:23] ---
Recovery: morality restored +8 → score 76 → 78, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:23] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 78 → 77, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:25] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 77 → 76, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:31] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 76 → 74, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:36] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 74 → 73, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:38] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 73 → 71, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:39] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 71 → 68, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:39] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 68 → 67, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T16:41] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 67 → 67, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:40] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 67 → 65, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:41] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 65 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:58] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 64 → 63, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:58] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 63 → 61, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 61 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: collateral restored +8 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:04] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 59 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Recovery: credit_report restored +5 → score 59 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:07] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 60 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:09] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:21] ---
Recovery: ownership_incorporation restored +8 → score 58 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:29] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 58 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 58 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 57 → 56, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Recovery: cashflow restored +4 → score 56 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 57 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 54 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 51 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:56] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:00] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 49 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:06] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 47 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:07] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:13] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:13] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:16] ---
Recovery: ownership_incorporation restored +6 → score 44 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:33] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:52] ---
Recovery: ownership_incorporation restored +3 → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:28] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:35] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:42] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Recovery: collateral restored +5 → score 44 → 45, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Wong Jason→Sunrise Retail Pte Ltd

UBO · 70%registry

Financial Intelligence Correlation

Cross-references monitoring activity against the Financial Fraud Intelligence database. A confirmed match overrides the deterministic score.

Click "Run Correlation" to cross-reference this case against the Financial Fraud Intelligence database, or simulate a monitoring event to trigger it automatically.

Credit Report

Rating

Good

Utilization

18%

Credit lenders

Credit line (limit)

$38,976

Credit line utilization

18%

$7,016 used

Loans and mortgage

$5,173

Rating Commentary

"No arrears on the most recent reporting cycle."

"Credit history length — long, favorable."

Indicators

ArrearsIndication: CLEARUtilizationIndication: CLEAR

Open Banking

Total across all accounts (2)

Combined balance

$27,746

Total income (90d)

$59,770

Total outcome (90d)

$48,822

Credit card

$2,090 of 6,218

Monthly loan repayments

$2,771/mo

Per-bank breakdown

Standard Chartered· Business account — for Sunrise Retail Pte Ltd

SGD

Balance

$11,016

Income (90d)

$26,224

Outcome (90d)

$18,480

Maybank· Business account — for Sunrise Retail Pte Ltd

SGD

Balance

$16,730

Income (90d)

$33,546

Outcome (90d)

$30,342

Audit Log

2026-08-24 09:44systemLive monitoring recovery — collateral restored +5 — score 44 → 45, tier block → block

2026-08-24 09:43systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 44 → 44, tier block → block

2026-08-24 09:42systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 44 → 44, tier block → block

2026-08-24 09:37systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 44 → 44, tier block → block

2026-08-24 09:36systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 44 → 44, tier block → block

2026-08-24 09:35systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 44 → 44, tier block → block

2026-08-24 09:28systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 44 → 44, tier block → block

2026-08-12 20:52systemLive monitoring recovery — ownership_incorporation restored +3 — score 44 → 44, tier block → block

2026-08-12 20:34systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 45 → 44, tier block → block

2026-08-12 20:33systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 45 → 45, tier block → block

2026-08-12 20:18systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 45 → 45, tier block → block

2026-08-12 20:16systemLive monitoring recovery — ownership_incorporation restored +6 — score 44 → 45, tier block → block

2026-08-12 20:13systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 45 → 44, tier block → block

2026-08-12 20:13systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 45 → 45, tier block → block

2026-08-12 20:07systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 45 → 45, tier block → block

2026-08-12 20:06systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 47 → 45, tier block → block

2026-08-12 20:00systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 49 → 47, tier block → block

2026-08-12 19:56systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 49 → 49, tier block → block

2026-08-12 19:36systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 49 → 49, tier block → block

2026-08-12 19:36systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 51 → 49, tier block → block

2026-08-12 19:35systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 51 → 51, tier block → block

2026-08-12 19:34systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 54 → 51, tier block → block

2026-08-12 19:33systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 57 → 54, tier block → block

2026-08-12 19:32systemLive monitoring recovery — cashflow restored +4 — score 56 → 57, tier block → block

2026-08-12 19:32systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 57 → 56, tier block → block

2026-08-12 19:31systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 58 → 57, tier block → block

2026-08-12 19:29systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 58 → 58, tier block → block

2026-08-12 19:21systemLive monitoring recovery — ownership_incorporation restored +8 — score 58 → 58, tier block → block

2026-08-12 19:09systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 59 → 58, tier block → block

2026-08-12 19:07systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 60 → 59, tier block → block

2026-08-12 19:05systemLive monitoring recovery — credit_report restored +5 — score 59 → 60, tier block → block

2026-08-12 19:04systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 59 → 59, tier block → block

2026-08-12 19:03systemLive monitoring recovery — collateral restored +8 — score 58 → 59, tier block → block

2026-08-12 19:01systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 59 → 58, tier block → block

2026-08-12 19:01systemLive monitoring recovery — business_bureau restored +5 — score 59 → 60, tier block → block

2026-08-12 19:01systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 61 → 59, tier block → block

2026-08-12 18:58systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 63 → 61, tier block → block

2026-08-12 18:58systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 64 → 63, tier block → block

2026-08-12 17:41systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 65 → 64, tier block → block

2026-08-12 17:40systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 67 → 65, tier block → block

2026-08-12 16:41systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 67 → 67, tier block → block

2026-08-12 15:39systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 68 → 67, tier block → block

2026-08-12 15:39systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 71 → 68, tier block → block

2026-08-12 15:38systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 73 → 71, tier block → block

2026-08-12 15:36systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 74 → 73, tier block → block

2026-08-12 15:31systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 76 → 74, tier verify → block

2026-08-12 15:25systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 77 → 76, tier verify → verify

2026-08-12 15:23systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 78 → 77, tier notify → verify

2026-08-12 15:23systemLive monitoring recovery — morality restored +8 — score 76 → 78, tier verify → notify

2026-08-12 15:22systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 76 → 76, tier notify → verify

2026-08-12 15:22systemLive monitoring recovery — cashflow restored +8 — score 74 → 76, tier verify → notify

2026-08-12 15:16systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 77 → 74, tier block → verify

2026-08-12 14:37systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 78 → 77, tier clear → block

2026-08-12 14:36systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 80 → 78, tier clear → clear

2026-08-12 14:34systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 81 → 80, tier clear → clear

2026-08-12 14:25systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 67 → 66, tier block → block

2026-08-12 14:14systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 69 → 67, tier block → block

2026-08-12 13:49systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 72 → 69, tier block → block

2026-08-12 13:31systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 72 → 72, tier verify → block

2026-08-12 13:19systemLive monitoring recovery — morality restored +4 — score 71 → 72, tier block → verify

2026-08-12 13:16systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 73 → 71, tier verify → block

2026-08-12 13:10systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 76 → 73, tier clear → verify

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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