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

Clementi Capital Pte Ltd

Ong Wei Ming · UEN 202178901G · APP-DMO07

Unified Score

Block

Facility blocked by cross-institution fraud intelligence

Override source: Consortium Sanctions Hit — Sanctions match — Fraud Consortium. This override bypasses the deterministic score.

AI Decision Fusion

Real-time synthesis of 4 independent risk modules

Confidencehigh

Scoring Metrics

Block45/100

payment conduct45

cashflow0

credit report74

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

OverrideOverride

Fused Decision

Block

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

Recommendation

Proceed per the current block tier.

Interactive What-If

Narrative Summary

Facility blocked — Sanctions match — Fraud Consortium

Reason: Score updated live — Legal Proceedings event from Court Records Monitoring.

Score Breakdown

Payment Conduct · 30%45

Cashflow · 25%0

Credit Report · 20%74

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%100

Collateral · 5%41

Decision Trace

Portfolio reset — bucket: moderate, score: 67, adverse: 0
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: collateral restored +5 → score 67 → 67, tier BLOCK → NOTIFY
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: morality restored +8 → score 67 → 70, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: cashflow restored +6 → score 70 → 71, tier NOTIFY → CLEAR
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: business_bureau restored +4 → score 71 → 72, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T14:31] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 72 → 67, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:31] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 67 → 63, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T14:31] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 63 → 63, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:31] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 63 → 60, tier NOTIFY → BLOCK
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: morality restored +4 → score 60 → 61, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: morality restored +7 → score 61 → 63, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:32] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 63 → 61, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: credit_report restored +3 → score 61 → 62, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:32] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 62 → 60, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: ownership_incorporation restored +7 → score 60 → 61, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:32] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 61 → 59, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: business_bureau restored +6 → score 59 → 60, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:32] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 60 → 59, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: credit_report restored +6 → score 59 → 60, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:33] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 60 → 59, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:33] ---
Recovery: morality restored +3 → score 59 → 60, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:33] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 60 → 58, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:33] ---
Recovery: collateral restored +4 → score 58 → 58, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:33] ---
Recovery: ownership_incorporation restored +9 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:34] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:34] ---
Recovery: cashflow restored +9 → score 58 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:34] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 60 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Recovery: morality restored +4 → score 57 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Recovery: collateral restored +5 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Recovery: ownership_incorporation restored +8 → score 59 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 60 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:12] ---
Recovery: ownership_incorporation restored +7 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:16] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 59 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:18] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:19] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 58 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:21] ---
Recovery: credit_report restored +4 → score 57 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:24] ---
Recovery: ownership_incorporation restored +9 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:26] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:30] ---
Recovery: cashflow restored +4 → score 58 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:31] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:33] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 58 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:33] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 57 → 56, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:25] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 56 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:08] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 54 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:58] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 51 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 49 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:03] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:04] ---
Recovery: cashflow restored +7 → score 47 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 49 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:07] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:28] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 47 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Recovery: cashflow restored +7 → score 45 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 47 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Recovery: credit_report restored +3 → score 45 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 46 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 46 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 43 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Recovery: morality restored +7 → score 42 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 44 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 43 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Recovery: credit_report restored +4 → score 43 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:41] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 44 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 43 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: business_bureau restored +7 → score 43 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: ownership_incorporation restored +7 → score 44 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: morality restored +7 → score 44 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 46 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: cashflow restored +5 → score 45 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: ownership_incorporation restored +7 → score 46 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: collateral restored +6 → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Recovery: cashflow restored +4 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:42] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 48 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:43] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 46 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:43] ---
Recovery: business_bureau restored +4 → score 46 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:01] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 47 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 46 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:10] ---
Recovery: morality restored +3 → score 46 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:13] ---
Recovery: business_bureau restored +8 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:16] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 48 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:21] ---
Recovery: business_bureau restored +5 → score 46 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: credit_report restored +7 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: business_bureau restored +5 → score 48 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: cashflow restored +7 → score 49 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: ownership_incorporation restored +4 → score 50 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: cashflow restored +6 → score 51 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: morality restored +4 → score 52 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 53 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 52 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Recovery: collateral restored +3 → score 50 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:22] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 50 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:23] ---
Recovery: collateral restored +3 → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:23] ---
Recovery: ownership_incorporation restored +3 → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Recovery: business_bureau restored +5 → score 49 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:52] ---
Recovery: ownership_incorporation restored +7 → score 50 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:52] ---
Recovery: business_bureau restored +6 → score 50 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Recovery: morality restored +3 → score 50 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Recovery: business_bureau restored +7 → score 51 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Recovery: credit_report restored +8 → score 52 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Recovery: business_bureau restored +5 → score 54 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 54 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Recovery: ownership_incorporation restored +4 → score 54 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:56] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 54 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 53 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 52 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Recovery: ownership_incorporation restored +7 → score 50 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 50 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Recovery: collateral restored +8 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Recovery: ownership_incorporation restored +9 → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 47 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Recovery: ownership_incorporation restored +6 → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:57] ---
Recovery: business_bureau restored +4 → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Recovery: credit_report restored +4 → score 44 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Recovery: morality restored +9 → score 44 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 47 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 45 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:01] ---
Recovery: morality restored +5 → score 43 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:01] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 44 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:01] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 44 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:10] ---
Recovery: collateral restored +3 → score 42 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T08:52] ---
Recovery: morality restored +7 → score 43 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T10:38] ---
Recovery: business_bureau restored +4 → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T13:57] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T13:57] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T13:57] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T14:25] ---
Recovery: business_bureau restored +4 → score 44 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T14:26] ---
Recovery: cashflow restored +8 → score 45 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T14:26] ---
Recovery: collateral restored +6 → score 47 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T17:31] ---
Recovery: credit_report restored +8 → score 47 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:26] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 49 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:27] ---
Recovery: cashflow restored +6 → score 48 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 50 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 48 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 46 → 45, tier BLOCK → BLOCK

Active Monitoring

Suspicious Activity Detected

Consortium Sanctions Hit

Sanctions match — Fraud Consortium

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Ong Wei Ming→Clementi Capital Pte Ltd

UBO · 70%registry

Ong Wei Ming→Clementi Capital 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

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 Clementi Capital Pte Ltd

SGD

Balance

$11,016

Income (90d)

$26,224

Outcome (90d)

$18,480

Maybank· Business account — for Clementi Capital Pte Ltd

SGD

Balance

$16,730

Income (90d)

$33,546

Outcome (90d)

$30,342

Audit Log

2026-08-24 09:40systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 46 → 45, tier block → block

2026-08-24 09:38systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 48 → 46, tier block → block

2026-08-24 09:36systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 50 → 48, tier block → block

2026-08-24 09:27systemLive monitoring recovery — cashflow restored +6 — score 48 → 50, tier block → block

2026-08-24 09:26systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 49 → 48, tier block → block

2026-08-13 17:31systemLive monitoring recovery — credit_report restored +8 — score 47 → 49, tier block → block

2026-08-13 14:26systemLive monitoring recovery — collateral restored +6 — score 47 → 47, tier block → block

2026-08-13 14:26systemLive monitoring recovery — cashflow restored +8 — score 45 → 47, tier block → block

2026-08-13 14:25systemLive monitoring recovery — business_bureau restored +4 — score 44 → 45, tier block → block

2026-08-13 13:57systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 45 → 44, tier block → block

2026-08-13 13:57systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 45 → 45, tier block → block

2026-08-13 13:57systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 45 → 45, tier block → block

2026-08-13 10:38systemLive monitoring recovery — business_bureau restored +4 — score 45 → 45, tier block → block

2026-08-13 08:52systemLive monitoring recovery — morality restored +7 — score 43 → 45, tier block → block

2026-08-12 22:10systemLive monitoring recovery — collateral restored +3 — score 42 → 43, tier block → block

2026-08-12 22:01systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 44 → 42, tier block → block

2026-08-12 22:01systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 44 → 44, tier block → block

2026-08-12 22:01systemLive monitoring recovery — morality restored +5 — score 43 → 44, tier block → block

2026-08-12 20:58systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 45 → 43, tier block → block

2026-08-12 20:58systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 47 → 45, tier block → block

2026-08-12 20:58systemLive monitoring recovery — morality restored +9 — score 44 → 47, tier block → block

2026-08-12 20:58systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 45 → 44, tier block → block

2026-08-12 20:58systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 45 → 45, tier block → block

2026-08-12 20:58systemLive monitoring recovery — credit_report restored +4 — score 44 → 45, tier block → block

2026-08-12 20:57systemLive monitoring recovery — business_bureau restored +4 — score 44 → 44, tier block → block

2026-08-12 20:57systemLive monitoring recovery — ownership_incorporation restored +6 — score 44 → 44, tier block → block

2026-08-12 20:57systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 47 → 44, tier block → block

2026-08-12 20:57systemLive monitoring recovery — ownership_incorporation restored +9 — score 47 → 47, tier block → block

2026-08-12 20:57systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 48 → 47, tier block → block

2026-08-12 20:57systemLive monitoring recovery — collateral restored +8 — score 47 → 48, tier block → block

2026-08-12 20:57systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 48 → 47, tier block → block

2026-08-12 20:57systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 50 → 48, tier block → block

2026-08-12 20:57systemLive monitoring recovery — ownership_incorporation restored +7 — score 50 → 50, tier block → block

2026-08-12 20:57systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 52 → 50, tier block → block

2026-08-12 20:57systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 53 → 52, tier block → block

2026-08-12 20:56systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 54 → 53, tier block → block

2026-08-12 20:56systemLive monitoring recovery — ownership_incorporation restored +4 — score 54 → 54, tier block → block

2026-08-12 20:56systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 54 → 54, tier block → block

2026-08-12 20:56systemLive monitoring recovery — business_bureau restored +5 — score 54 → 54, tier block → block

2026-08-12 20:56systemLive monitoring recovery — credit_report restored +8 — score 52 → 54, tier block → block

2026-08-12 20:56systemLive monitoring recovery — business_bureau restored +7 — score 51 → 52, tier block → block

2026-08-12 20:56systemLive monitoring recovery — morality restored +3 — score 50 → 51, tier block → block

2026-08-12 20:52systemLive monitoring recovery — business_bureau restored +6 — score 50 → 50, tier block → block

2026-08-12 20:52systemLive monitoring recovery — ownership_incorporation restored +7 — score 50 → 50, tier block → block

2026-08-12 20:34systemLive monitoring recovery — business_bureau restored +5 — score 49 → 50, tier block → block

2026-08-12 20:23systemLive monitoring recovery — ownership_incorporation restored +3 — score 49 → 49, tier block → block

2026-08-12 20:23systemLive monitoring recovery — collateral restored +3 — score 49 → 49, tier block → block

2026-08-12 20:22systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 50 → 49, tier block → block

2026-08-12 20:22systemLive monitoring recovery — collateral restored +3 — score 50 → 50, tier block → block

2026-08-12 20:22systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 52 → 50, tier block → block

2026-08-12 20:22systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 53 → 52, tier block → block

2026-08-12 20:22systemLive monitoring recovery — morality restored +4 — score 52 → 53, tier block → block

2026-08-12 20:22systemLive monitoring recovery — cashflow restored +6 — score 51 → 52, tier block → block

2026-08-12 20:22systemLive monitoring recovery — ownership_incorporation restored +4 — score 50 → 51, tier block → block

2026-08-12 20:22systemLive monitoring recovery — cashflow restored +7 — score 49 → 50, tier block → block

2026-08-12 20:22systemLive monitoring recovery — business_bureau restored +5 — score 48 → 49, tier block → block

2026-08-12 20:22systemLive monitoring recovery — credit_report restored +7 — score 47 → 48, tier block → block

2026-08-12 20:21systemLive monitoring recovery — business_bureau restored +5 — score 46 → 47, tier block → block

2026-08-12 20:16systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 48 → 46, tier block → block

2026-08-12 20:13systemLive monitoring recovery — business_bureau restored +8 — score 47 → 48, tier block → block

2026-08-12 20:10systemLive monitoring recovery — morality restored +3 — score 46 → 47, tier block → block

2026-08-12 20:08systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 46 → 46, tier block → block

2026-08-12 20:01systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 47 → 46, tier block → block

2026-08-12 19:59systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 47 → 47, tier block → block

2026-08-12 19:43systemLive monitoring recovery — business_bureau restored +4 — score 46 → 47, tier block → block

2026-08-12 19:43systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 46 → 46, tier block → block

2026-08-12 19:42systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 48 → 46, tier block → block

2026-08-12 19:42systemLive monitoring recovery — cashflow restored +4 — score 47 → 48, tier block → block

2026-08-12 19:42systemLive monitoring recovery — collateral restored +6 — score 47 → 47, tier block → block

2026-08-12 19:42systemLive monitoring recovery — ownership_incorporation restored +7 — score 46 → 47, tier block → block

2026-08-12 19:42systemLive monitoring recovery — cashflow restored +5 — score 45 → 46, tier block → block

2026-08-12 19:42systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 46 → 45, tier block → block

2026-08-12 19:42systemLive monitoring recovery — morality restored +7 — score 44 → 46, tier block → block

2026-08-12 19:42systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 45 → 44, tier block → block

2026-08-12 19:42systemLive monitoring recovery — ownership_incorporation restored +7 — score 44 → 45, tier block → block

2026-08-12 19:42systemLive monitoring recovery — business_bureau restored +7 — score 43 → 44, tier block → block

2026-08-12 19:42systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 43 → 43, tier block → block

2026-08-12 19:41systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 44 → 43, tier block → block

2026-08-12 19:36systemLive monitoring recovery — credit_report restored +4 — score 43 → 44, tier block → block

2026-08-12 19:36systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 43 → 43, tier block → block

2026-08-12 19:35systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 44 → 43, tier block → block

2026-08-12 19:35systemLive monitoring recovery — morality restored +7 — score 42 → 44, tier block → block

2026-08-12 19:34systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 43 → 42, tier block → block

2026-08-12 19:34systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 46 → 43, tier block → block

2026-08-12 19:34systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 46 → 46, tier block → block

2026-08-12 19:34systemLive monitoring recovery — credit_report restored +3 — score 45 → 46, tier block → block

2026-08-12 19:32systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 47 → 45, tier block → block

2026-08-12 19:31systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 47 → 47, tier block → block

2026-08-12 19:31systemLive monitoring recovery — cashflow restored +7 — score 45 → 47, tier block → block

2026-08-12 19:28systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 47 → 45, tier block → block

2026-08-12 19:07systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 47 → 47, tier block → block

2026-08-12 19:05systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 49 → 47, tier block → block

2026-08-12 19:05systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 49 → 49, tier block → block

2026-08-12 19:04systemLive monitoring recovery — cashflow restored +7 — score 47 → 49, tier block → block

2026-08-12 19:03systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 48 → 47, tier block → block

2026-08-12 19:01systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 49 → 48, tier block → block

2026-08-12 19:01systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 51 → 49, tier block → block

2026-08-12 18:58systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 51 → 51, tier block → block

2026-08-12 18:08systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 54 → 51, tier block → block

2026-08-12 17:25systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 56 → 54, tier block → block

2026-08-12 15:33systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 57 → 56, tier block → block

2026-08-12 15:33systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 58 → 57, tier block → block

2026-08-12 15:31systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 59 → 58, tier block → block

2026-08-12 15:30systemLive monitoring recovery — cashflow restored +4 — score 58 → 59, tier block → block

2026-08-12 15:26systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 59 → 58, tier block → block

2026-08-12 15:24systemLive monitoring recovery — ownership_incorporation restored +9 — score 58 → 59, tier block → block

2026-08-12 15:21systemLive monitoring recovery — credit_report restored +4 — score 57 → 58, tier block → block

2026-08-12 15:19systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 58 → 57, tier block → block

2026-08-12 15:18systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 59 → 58, tier block → block

2026-08-12 15:16systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 59 → 59, tier block → block

2026-08-12 15:12systemLive monitoring recovery — ownership_incorporation restored +7 — score 58 → 59, tier block → block

2026-08-12 14:35systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 60 → 58, tier block → block

2026-08-12 14:35systemLive monitoring recovery — ownership_incorporation restored +8 — score 59 → 60, tier block → block

2026-08-12 14:35systemLive monitoring recovery — collateral restored +5 — score 58 → 59, tier block → block

2026-08-12 14:35systemLive monitoring recovery — morality restored +4 — score 57 → 58, tier block → block

2026-08-12 14:34systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 60 → 57, tier block → block

2026-08-12 14:34systemLive monitoring recovery — cashflow restored +9 — score 58 → 60, tier block → block

2026-08-12 14:34systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 59 → 58, tier block → block

2026-08-12 14:33systemLive monitoring recovery — ownership_incorporation restored +9 — score 58 → 59, tier block → block

2026-08-12 14:33systemLive monitoring recovery — collateral restored +4 — score 58 → 58, tier verify → block

2026-08-12 14:33systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 60 → 58, tier block → verify

2026-08-12 14:33systemLive monitoring recovery — morality restored +3 — score 59 → 60, tier verify → block

2026-08-12 14:33systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 60 → 59, tier block → verify

2026-08-12 14:32systemLive monitoring recovery — credit_report restored +6 — score 59 → 60, tier verify → block

2026-08-12 14:32systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 60 → 59, tier block → verify

2026-08-12 14:32systemLive monitoring recovery — business_bureau restored +6 — score 59 → 60, tier verify → block

2026-08-12 14:32systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 61 → 59, tier block → verify

2026-08-12 14:32systemLive monitoring recovery — ownership_incorporation restored +7 — score 60 → 61, tier verify → block

2026-08-12 14:32systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 62 → 60, tier block → verify

2026-08-12 14:32systemLive monitoring recovery — credit_report restored +3 — score 61 → 62, tier verify → block

2026-08-12 14:32systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 63 → 61, tier block → verify

2026-08-12 14:32systemLive monitoring recovery — morality restored +7 — score 61 → 63, tier verify → block

2026-08-12 14:31systemLive monitoring recovery — morality restored +4 — score 60 → 61, tier block → verify

2026-08-12 14:31systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 63 → 60, tier notify → block

2026-08-12 14:31systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 63 → 63, tier verify → notify

2026-08-12 14:31systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 67 → 63, tier notify → verify

2026-08-12 14:31systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 72 → 67, tier notify → notify

2026-08-12 14:31systemLive monitoring recovery — business_bureau restored +4 — score 71 → 72, tier clear → notify

2026-08-12 14:31systemLive monitoring recovery — cashflow restored +6 — score 70 → 71, tier notify → clear

2026-08-12 14:31systemLive monitoring recovery — morality restored +8 — score 67 → 70, tier notify → notify

2026-08-12 14:31systemLive monitoring recovery — collateral restored +5 — score 67 → 67, tier block → notify

2026-08-12 14:26systemLive monitoring recovery — credit_report restored +3 — score 59 → 60, tier block → block

2026-08-12 14:26systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 61 → 59, tier block → block

2026-08-12 14:26systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 61 → 61, tier block → block

2026-08-12 14:14systemLive monitoring recovery — collateral restored +9 — score 61 → 61, tier block → block

2026-08-12 13:51systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 61 → 61, tier block → block

2026-08-12 13:50systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 63 → 61, tier block → block

2026-08-12 13:50systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 63 → 63, tier block → block

2026-08-12 13:48systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 64 → 63, tier block → block

2026-08-12 13:30systemLive monitoring recovery — business_bureau restored +6 — score 63 → 64, tier block → block

2026-08-12 13:15systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 63 → 63, tier block → block

2026-08-12 13:11systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 65 → 63, tier verify → block

2026-08-12 13:10systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 68 → 65, tier notify → verify

2026-08-12 13:09systemLive monitoring recovery — cashflow restored +7 — score 78 → 68, tier block → notify

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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