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

Serangoon Holdings Pte Ltd

Tan Beng Wah · UEN 202034578L · APP-DMO11

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

Block36/100

payment conduct39

cashflow0

credit report73

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Serangoon Holdings Pte Ltd scores 36/100 (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 NOTIFY — score 58.

Reason: Score updated live — Large Withdrawal event from Open Banking.

Score Breakdown

Payment Conduct · 30%39

Cashflow · 25%0

Credit Report · 20%73

Business Bureau · 10%4

Flagged as weak

Ownership & Incorporation · 10%60

Collateral · 5%73

Decision Trace

Portfolio reset — bucket: moderate, score: 58, adverse: 0
--- Live Monitoring [2026-08-12T14:32] ---
Recovery: credit_report restored +7 → score 58 → 60, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:45] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 60 → 58, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:11] ---
Recovery: business_bureau restored +5 → score 58 → 59, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:11] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 59 → 57, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:14] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 57 → 56, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:16] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 56 → 55, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:16] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 55 → 54, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:17] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 54 → 53, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:17] ---
Recovery: cashflow restored +7 → score 53 → 55, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:17] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 55 → 54, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:18] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 54 → 53, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:19] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 53 → 52, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:20] ---
Recovery: collateral restored +7 → score 52 → 52, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:29] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 52 → 49, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:32] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 49 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:33] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 47 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:36] ---
Recovery: morality restored +4 → score 46 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:37] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:41] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 47 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 46 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: credit_report restored +7 → score 44 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:06] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 46 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:21] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:28] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 44 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:29] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 43 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 42 → 38, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Recovery: cashflow restored +9 → score 38 → 40, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 40 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Recovery: business_bureau restored +4 → score 39 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:56] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 39 → 38, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:56] ---
Recovery: cashflow restored +3 → score 38 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:58] ---
Recovery: ownership_incorporation restored +5 → score 39 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:58] ---
Recovery: credit_report restored +6 → score 39 → 40, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:01] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 40 → 38, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:33] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 38 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:35] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 36 → 34, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 34 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 32 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Recovery: collateral restored +8 → score 32 → 33, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Recovery: credit_report restored +8 → score 33 → 34, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Recovery: credit_report restored +8 → score 34 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Recovery: ownership_incorporation restored +5 → score 36 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-26T13:01] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 36 → 36, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Tan Beng Wah→Serangoon Holdings Pte Ltd

UBO · 35%registry

Siang Hui Yeo→Serangoon Holdings Pte Ltd

UBO · 65%registry

Tan Beng Wah→Serangoon Holdings Ventures Pte Ltd

shared_owner · 76%registry

Serangoon Holdings Holdings Pte Ltd→Serangoon Holdings Pte Ltd

shared_owner · 50%credit_report

Siang Hui Koh→Serangoon Holdings Pte Ltd

guarantorcredit_report

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)

$12,650

Credit line utilization

55%

$6,958 used

Loans and mortgage

$23,659

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

$2,983

Total income (90d)

$4,684

Total outcome (90d)

$14,941

Credit card

$5,774 of 2,953

Monthly loan repayments

$2,356/mo

Per-bank breakdown

OCBC Bank· Business account — for Serangoon Holdings Pte Ltd

SGD

Balance

$2,983

Income (90d)

$4,684

Outcome (90d)

$14,941

Audit Log

2026-08-26 13:01systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 36 → 36, tier block → block

2026-08-24 09:45systemLive monitoring recovery — ownership_incorporation restored +5 — score 36 → 36, tier block → block

2026-08-24 09:39systemLive monitoring recovery — credit_report restored +8 — score 34 → 36, tier block → block

2026-08-24 09:38systemLive monitoring recovery — credit_report restored +8 — score 33 → 34, tier block → block

2026-08-24 09:37systemLive monitoring recovery — collateral restored +8 — score 32 → 33, tier block → block

2026-08-24 09:37systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 32 → 32, tier block → block

2026-08-12 20:51systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 34 → 32, tier block → block

2026-08-12 20:35systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 36 → 34, tier block → block

2026-08-12 20:33systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 38 → 36, tier block → block

2026-08-12 20:01systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 40 → 38, tier block → block

2026-08-12 19:58systemLive monitoring recovery — credit_report restored +6 — score 39 → 40, tier block → block

2026-08-12 19:58systemLive monitoring recovery — ownership_incorporation restored +5 — score 39 → 39, tier block → block

2026-08-12 19:56systemLive monitoring recovery — cashflow restored +3 — score 38 → 39, tier block → block

2026-08-12 19:56systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 39 → 38, tier block → block

2026-08-12 19:36systemLive monitoring recovery — business_bureau restored +4 — score 39 → 39, tier block → block

2026-08-12 19:35systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 40 → 39, tier block → block

2026-08-12 19:34systemLive monitoring recovery — cashflow restored +9 — score 38 → 40, tier block → block

2026-08-12 19:32systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 42 → 38, tier block → block

2026-08-12 19:29systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 43 → 42, tier block → block

2026-08-12 19:28systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 44 → 43, tier block → block

2026-08-12 19:21systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 45 → 44, tier block → block

2026-08-12 19:06systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 46 → 45, tier block → block

2026-08-12 19:03systemLive monitoring recovery — credit_report restored +7 — score 44 → 46, tier block → block

2026-08-12 19:02systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 46 → 44, tier block → block

2026-08-12 18:41systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 47 → 46, tier block → block

2026-08-12 15:37systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 48 → 47, tier block → block

2026-08-12 15:36systemLive monitoring recovery — morality restored +4 — score 46 → 48, tier block → block

2026-08-12 15:33systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 47 → 46, tier block → block

2026-08-12 15:32systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 49 → 47, tier block → block

2026-08-12 15:29systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 52 → 49, tier verify → block

2026-08-12 15:20systemLive monitoring recovery — collateral restored +7 — score 52 → 52, tier verify → verify

2026-08-12 15:19systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 53 → 52, tier verify → verify

2026-08-12 15:18systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 54 → 53, tier verify → verify

2026-08-12 15:17systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 55 → 54, tier notify → verify

2026-08-12 15:17systemLive monitoring recovery — cashflow restored +7 — score 53 → 55, tier verify → notify

2026-08-12 15:17systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 54 → 53, tier verify → verify

2026-08-12 15:16systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 55 → 54, tier notify → verify

2026-08-12 15:16systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 56 → 55, tier notify → notify

2026-08-12 15:14systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 57 → 56, tier notify → notify

2026-08-12 15:11systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 59 → 57, tier notify → notify

2026-08-12 15:11systemLive monitoring recovery — business_bureau restored +5 — score 58 → 59, tier notify → notify

2026-08-12 14:45systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 60 → 58, tier notify → notify

2026-08-12 14:32systemLive monitoring recovery — credit_report restored +7 — score 58 → 60, tier notify → notify

2026-08-12 14:27systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 17 → 17, tier block → block

2026-08-12 14:26systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 18 → 17, tier block → block

2026-08-12 14:25systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 18 → 18, tier block → block

2026-08-12 14:21systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 19 → 18, tier block → block

2026-08-12 14:21systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 20 → 19, tier block → block

2026-08-12 13:49systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 20 → 20, tier block → block

2026-08-12 13:49systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 20 → 20, tier block → block

2026-08-12 13:47systemLive monitoring recovery — ownership_incorporation restored +6 — score 19 → 20, tier block → block

2026-08-12 13:32systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 20 → 19, tier block → block

2026-08-12 13:30systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 21 → 20, tier block → block

2026-08-12 13:14systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 22 → 21, tier block → block

2026-08-12 13:09systemLive monitoring recovery — business_bureau restored +9 — score 21 → 22, tier block → block

2026-08-12 13:09systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 26 → 21, tier block → block

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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