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

Bishan Manufacturing Pte Ltd

Lee Hock Seng · UEN 202156789D · APP-DMO04

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

Block14/100

payment conduct0

cashflow0

credit report28

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Bishan Manufacturing Pte Ltd scores 14/100 (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 VERIFY — score 42.

Reason: Score updated live — Compliance event from Registry Monitoring.

Score Breakdown

Payment Conduct · 30%0

Cashflow · 25%0

Credit Report · 20%28

Business Bureau · 10%30

Flagged as weak

Ownership & Incorporation · 10%43

Flagged as weak

Collateral · 5%27

Decision Trace

Portfolio reset — bucket: weak, score: 42, adverse: 2
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: business_bureau restored +6 → score 42 → 43, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T14:37] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 43 → 42, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:12] ---
Recovery: morality restored +3 → score 42 → 43, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:14] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 43 → 42, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:14] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 42 → 40, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:15] ---
Recovery: morality restored +6 → score 40 → 42, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:17] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 42 → 40, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:17] ---
Recovery: business_bureau restored +5 → score 40 → 40, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:18] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 40 → 38, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:19] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 38 → 37, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:29] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 37 → 35, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:31] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 35 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:31] ---
Recovery: cashflow restored +9 → score 32 → 34, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:31] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 34 → 33, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:32] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 33 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:33] ---
Recovery: business_bureau restored +7 → score 32 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:34] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 32 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:34] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 32 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:36] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 29 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:37] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 28 → 26, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:00] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 26 → 24, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: cashflow restored +8 → score 24 → 26, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 26 → 26, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:06] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 26 → 24, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:09] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 24 → 22, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 22 → 22, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Recovery: business_bureau restored +8 → score 22 → 22, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 22 → 21, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:53] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 21 → 21, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:56] ---
Recovery: morality restored +4 → score 21 → 23, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:57] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 23 → 22, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:04] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 22 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:05] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 20 → 19, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:05] ---
Recovery: business_bureau restored +3 → score 19 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:07] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:15] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:16] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Recovery: business_bureau restored +4 → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:19] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:53] ---
Recovery: ownership_incorporation restored +5 → score 20 → 20, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T10:38] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 20 → 19, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:28] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 19 → 16, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 16 → 14, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 14 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Recovery: ownership_incorporation restored +8 → score 13 → 14, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Recovery: ownership_incorporation restored +7 → score 14 → 15, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:42] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 15 → 14, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Lee Hock Seng→Bishan Manufacturing Pte Ltd

UBO · 35%registry

Seng Huat Wong→Bishan Manufacturing Pte Ltd

UBO · 65%registry

Lee Hock Seng→Bishan Manufacturing Holdings Pte Ltd

directorregistry

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

Weak

Utilization

55%

Credit lenders

Credit line (limit)

$14,488

Credit line utilization

55%

$7,968 used

Loans and mortgage

$12,321

Rating Commentary

"Arrears reported on the most recent cycle."

"Short credit history with elevated utilization across multiple lenders."

Indicators

ArrearsIndication: FLAGGEDUtilizationIndication: CLEAR

Open Banking

Total across all accounts (1)

Combined balance

$4,957

Total income (90d)

$10,513

Total outcome (90d)

$16,149

Credit card

$2,586 of 3,885

Monthly loan repayments

$3,386/mo

Per-bank breakdown

Standard Chartered· Business account — for Bishan Manufacturing Pte Ltd

SGD

Balance

$4,957

Income (90d)

$10,513

Outcome (90d)

$16,149

Audit Log

2026-08-24 09:42systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 15 → 14, tier block → block

2026-08-24 09:41systemLive monitoring recovery — ownership_incorporation restored +7 — score 14 → 15, tier block → block

2026-08-24 09:41systemLive monitoring recovery — ownership_incorporation restored +8 — score 13 → 14, tier block → block

2026-08-24 09:39systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 13 → 13, tier block → block

2026-08-24 09:38systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 14 → 13, tier block → block

2026-08-24 09:37systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 16 → 14, tier block → block

2026-08-24 09:28systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 19 → 16, tier block → block

2026-08-13 10:38systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 20 → 19, tier block → block

2026-08-12 20:53systemLive monitoring recovery — ownership_incorporation restored +5 — score 20 → 20, tier block → block

2026-08-12 20:19systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 20 → 20, tier block → block

2026-08-12 20:18systemLive monitoring recovery — business_bureau restored +4 — score 20 → 20, tier block → block

2026-08-12 20:16systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 20 → 20, tier block → block

2026-08-12 20:15systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 20 → 20, tier block → block

2026-08-12 20:08systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 20 → 20, tier block → block

2026-08-12 20:07systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 20 → 20, tier block → block

2026-08-12 20:05systemLive monitoring recovery — business_bureau restored +3 — score 19 → 20, tier block → block

2026-08-12 20:05systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 20 → 19, tier block → block

2026-08-12 20:04systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 22 → 20, tier block → block

2026-08-12 19:57systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 23 → 22, tier block → block

2026-08-12 19:56systemLive monitoring recovery — morality restored +4 — score 21 → 23, tier block → block

2026-08-12 19:53systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 21 → 21, tier block → block

2026-08-12 19:33systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 22 → 21, tier block → block

2026-08-12 19:32systemLive monitoring recovery — business_bureau restored +8 — score 22 → 22, tier block → block

2026-08-12 19:31systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 22 → 22, tier block → block

2026-08-12 19:09systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 24 → 22, tier block → block

2026-08-12 19:06systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 26 → 24, tier block → block

2026-08-12 19:05systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 26 → 26, tier block → block

2026-08-12 19:03systemLive monitoring recovery — cashflow restored +8 — score 24 → 26, tier block → block

2026-08-12 19:00systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 26 → 24, tier block → block

2026-08-12 15:37systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 28 → 26, tier block → block

2026-08-12 15:36systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 29 → 28, tier block → block

2026-08-12 15:34systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 32 → 29, tier block → block

2026-08-12 15:34systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 32 → 32, tier block → block

2026-08-12 15:33systemLive monitoring recovery — business_bureau restored +7 — score 32 → 32, tier block → block

2026-08-12 15:32systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 33 → 32, tier block → block

2026-08-12 15:31systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 34 → 33, tier block → block

2026-08-12 15:31systemLive monitoring recovery — cashflow restored +9 — score 32 → 34, tier block → block

2026-08-12 15:31systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 35 → 32, tier block → block

2026-08-12 15:29systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 37 → 35, tier block → block

2026-08-12 15:19systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 38 → 37, tier block → block

2026-08-12 15:18systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 40 → 38, tier verify → block

2026-08-12 15:17systemLive monitoring recovery — business_bureau restored +5 — score 40 → 40, tier verify → verify

2026-08-12 15:17systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 42 → 40, tier verify → verify

2026-08-12 15:15systemLive monitoring recovery — morality restored +6 — score 40 → 42, tier verify → verify

2026-08-12 15:14systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 42 → 40, tier verify → verify

2026-08-12 15:14systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 43 → 42, tier verify → verify

2026-08-12 15:12systemLive monitoring recovery — morality restored +3 — score 42 → 43, tier verify → verify

2026-08-12 14:37systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 43 → 42, tier verify → verify

2026-08-12 14:32systemLive monitoring recovery — business_bureau restored +6 — score 42 → 43, tier verify → verify

2026-08-12 14:14systemLive monitoring recovery — morality restored +5 — score 39 → 41, tier block → block

2026-08-12 14:14systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 40 → 39, tier block → block

2026-08-12 13:48systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 40 → 40, tier block → block

2026-08-12 13:31systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 41 → 40, tier block → block

2026-08-12 13:25systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 42 → 41, tier block → block

2026-08-12 13:19systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 43 → 42, tier block → block

2026-08-12 13:18systemLive monitoring recovery — collateral restored +5 — score 43 → 43, tier block → block

2026-08-12 13:18systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 43 → 43, tier block → block

2026-08-12 13:12systemLive monitoring recovery — business_bureau restored +7 — score 42 → 43, tier block → block

2026-08-12 13:12systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 44 → 42, tier block → block

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

2026-08-12 13:11systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 47 → 44, tier block → block

2026-08-12 13:11systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 49 → 47, tier block → block

2026-08-12 13:09systemLive monitoring recovery — ownership_incorporation restored +7 — score 48 → 49, tier block → block

2026-08-12 13:09systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 49 → 48, tier block → block

2026-08-12 13:09systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 55 → 49, tier verify → block

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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