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

Marina Bay Consultants Pte Ltd

Kumar Ravi · UEN 201855678C · APP-MSOYGPDS

Unified Score

Notify

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

Notify56/100

payment conduct97

cashflow0

credit report57

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Notify

Marina Bay Consultants Pte Ltd scores 56/100 (notify). 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 notify tier.

Interactive What-If

Narrative Summary

Risk tier CLEAR — score 86.

Reason: Score updated live — Bureau Alert event from Credit Bureau.

Score Breakdown

Payment Conduct · 30%97

Cashflow · 25%0

Credit Report · 20%57

Business Bureau · 10%23

Flagged as weak

Ownership & Incorporation · 10%90

Collateral · 5%75

Decision Trace

Portfolio reset — bucket: strong, score: 86, adverse: 0
--- Live Monitoring [2026-08-12T14:31] ---
Recovery: credit_report restored +5 → score 86 → 87, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:33] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 87 → 86, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T14:34] ---
Recovery: collateral restored +8 → score 86 → 86, tier NOTIFY → CLEAR
--- Live Monitoring [2026-08-12T14:35] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 86 → 85, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:35] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 85 → 84, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:37] ---
Recovery: morality restored +8 → score 84 → 86, tier CLEAR → VERIFY
--- Live Monitoring [2026-08-12T14:37] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 86 → 86, tier VERIFY → CLEAR
--- Live Monitoring [2026-08-12T14:38] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 86 → 84, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T15:12] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 84 → 82, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T15:15] ---
Recovery: morality restored +7 → score 82 → 84, tier NOTIFY → CLEAR
--- Live Monitoring [2026-08-12T15:15] ---
Recovery: business_bureau restored +4 → score 84 → 85, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T15:17] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 85 → 82, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T15:22] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 82 → 81, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:27] ---
Recovery: collateral restored +5 → score 81 → 81, tier NOTIFY → CLEAR
--- Live Monitoring [2026-08-12T15:32] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 81 → 80, tier CLEAR → VERIFY
--- Live Monitoring [2026-08-12T15:34] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 80 → 79, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:35] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 79 → 78, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:35] ---
Recovery: ownership_incorporation restored +6 → score 78 → 78, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T15:39] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 78 → 77, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T17:41] ---
Recovery: credit_report restored +5 → score 77 → 78, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T18:13] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 78 → 76, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Recovery: business_bureau restored +6 → score 76 → 77, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: ownership_incorporation restored +7 → score 77 → 78, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: collateral restored +4 → score 78 → 78, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T19:03] ---
Recovery: business_bureau restored +9 → score 78 → 79, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T19:03] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 79 → 77, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T19:06] ---
Recovery: credit_report restored +6 → score 77 → 78, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:07] ---
Recovery: morality restored +5 → score 78 → 80, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Recovery: morality restored +7 → score 80 → 82, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Recovery: ownership_incorporation restored +6 → score 82 → 83, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 83 → 81, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:58] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 81 → 78, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:03] ---
Recovery: collateral restored +8 → score 78 → 78, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:05] ---
Recovery: ownership_incorporation restored +7 → score 78 → 79, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:12] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 79 → 78, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:13] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 78 → 76, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:21] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 76 → 73, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 73 → 72, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:38] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 72 → 70, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:50] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 70 → 69, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:26] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 69 → 68, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:28] ---
Recovery: collateral restored +6 → score 68 → 68, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:28] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 68 → 66, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 66 → 65, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 65 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 64 → 63, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 63 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 60 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 60 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 59 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 57 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:46] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 57 → 56, tier BLOCK → BLOCK
--- Live Monitoring [2026-09-22T07:29] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 56 → 56, tier BLOCK → NOTIFY

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

2026-09-22BureauBureau Alert — Credit Bureau

Holding Tree

Kumar Ravi→Marina Bay Consultants Pte Ltd

UBO · 35%registry

Hock Seng Lee→Marina Bay Consultants Pte Ltd

UBO · 65%registry

Kumar Ravi→Marina Bay Consultants 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)

$39,772

Credit line utilization

18%

$7,159 used

Loans and mortgage

$5,865

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 (1)

Combined balance

$1,074

Total income (90d)

$13,666

Total outcome (90d)

$12,929

Credit card

$4,600 of 3,707

Monthly loan repayments

$2,447/mo

Per-bank breakdown

Standard Chartered· Business account — for Marina Bay Consultants Pte Ltd

SGD

Balance

$1,074

Income (90d)

$13,666

Outcome (90d)

$12,929

Audit Log

2026-09-22 07:29systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 56 → 56, tier block → notify

2026-08-24 09:46systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 57 → 56, tier block → block

2026-08-24 09:45systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 57 → 57, tier block → block

2026-08-24 09:44systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 59 → 57, tier block → block

2026-08-24 09:43systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 60 → 59, tier block → block

2026-08-24 09:43systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 60 → 60, tier block → block

2026-08-24 09:41systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 63 → 60, tier block → block

2026-08-24 09:39systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 64 → 63, tier block → block

2026-08-24 09:37systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 65 → 64, tier block → block

2026-08-24 09:37systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 66 → 65, tier block → block

2026-08-24 09:28systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 68 → 66, tier block → block

2026-08-24 09:28systemLive monitoring recovery — collateral restored +6 — score 68 → 68, tier block → block

2026-08-24 09:26systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 69 → 68, tier block → block

2026-08-12 20:50systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 70 → 69, tier block → block

2026-08-12 20:38systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 72 → 70, tier block → block

2026-08-12 20:34systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 73 → 72, tier block → block

2026-08-12 20:21systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 76 → 73, tier block → block

2026-08-12 20:13systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 78 → 76, tier block → block

2026-08-12 20:12systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 79 → 78, tier block → block

2026-08-12 20:05systemLive monitoring recovery — ownership_incorporation restored +7 — score 78 → 79, tier block → block

2026-08-12 20:03systemLive monitoring recovery — collateral restored +8 — score 78 → 78, tier block → block

2026-08-12 19:58systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 81 → 78, tier block → block

2026-08-12 19:32systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 83 → 81, tier block → block

2026-08-12 19:32systemLive monitoring recovery — ownership_incorporation restored +6 — score 82 → 83, tier block → block

2026-08-12 19:08systemLive monitoring recovery — morality restored +7 — score 80 → 82, tier block → block

2026-08-12 19:07systemLive monitoring recovery — morality restored +5 — score 78 → 80, tier block → block

2026-08-12 19:06systemLive monitoring recovery — credit_report restored +6 — score 77 → 78, tier block → block

2026-08-12 19:03systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 79 → 77, tier verify → block

2026-08-12 19:03systemLive monitoring recovery — business_bureau restored +9 — score 78 → 79, tier verify → verify

2026-08-12 19:03systemLive monitoring recovery — collateral restored +4 — score 78 → 78, tier verify → verify

2026-08-12 19:03systemLive monitoring recovery — ownership_incorporation restored +7 — score 77 → 78, tier verify → verify

2026-08-12 19:01systemLive monitoring recovery — business_bureau restored +6 — score 76 → 77, tier block → verify

2026-08-12 18:13systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 78 → 76, tier verify → block

2026-08-12 17:41systemLive monitoring recovery — credit_report restored +5 — score 77 → 78, tier block → verify

2026-08-12 15:39systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 78 → 77, tier verify → block

2026-08-12 15:35systemLive monitoring recovery — ownership_incorporation restored +6 — score 78 → 78, tier block → verify

2026-08-12 15:35systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 79 → 78, tier verify → block

2026-08-12 15:34systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 80 → 79, tier verify → verify

2026-08-12 15:32systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 81 → 80, tier clear → verify

2026-08-12 15:27systemLive monitoring recovery — collateral restored +5 — score 81 → 81, tier notify → clear

2026-08-12 15:22systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 82 → 81, tier notify → notify

2026-08-12 15:17systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 85 → 82, tier clear → notify

2026-08-12 15:15systemLive monitoring recovery — business_bureau restored +4 — score 84 → 85, tier clear → clear

2026-08-12 15:15systemLive monitoring recovery — morality restored +7 — score 82 → 84, tier notify → clear

2026-08-12 15:12systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 84 → 82, tier clear → notify

2026-08-12 14:38systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 86 → 84, tier clear → clear

2026-08-12 14:37systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 86 → 86, tier verify → clear

2026-08-12 14:37systemLive monitoring recovery — morality restored +8 — score 84 → 86, tier clear → verify

2026-08-12 14:35systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 85 → 84, tier clear → clear

2026-08-12 14:35systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 86 → 85, tier clear → clear

2026-08-12 14:34systemLive monitoring recovery — collateral restored +8 — score 86 → 86, tier notify → clear

2026-08-12 14:33systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 87 → 86, tier clear → notify

2026-08-12 14:31systemLive monitoring recovery — credit_report restored +5 — score 86 → 87, tier clear → clear

2026-08-12 14:27systemLive monitoring recovery — morality restored +5 — score 60 → 61, tier block → block

2026-08-12 14:26systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 60 → 60, tier block → block

2026-08-12 14:14systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 61 → 60, tier block → block

2026-08-12 13:59systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 63 → 61, tier block → block

2026-08-12 13:48systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 66 → 63, tier block → block

2026-08-12 13:30systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 68 → 66, tier block → block

2026-08-12 13:30systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 71 → 68, tier block → block

2026-08-12 13:25systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 74 → 71, tier block → block

2026-08-12 13:19systemLive monitoring recovery — ownership_incorporation restored +7 — score 73 → 74, tier block → block

2026-08-12 13:19systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 75 → 73, tier block → block

2026-08-12 13:15systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 75 → 75, tier block → block

2026-08-12 13:15systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 77 → 75, tier block → block

2026-08-12 13:14systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 79 → 77, tier notify → block

2026-08-12 13:14systemLive monitoring recovery — ownership_incorporation restored +9 — score 78 → 79, tier verify → notify

2026-08-12 13:12systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 81 → 78, tier clear → verify

2026-08-12 13:12systemLive monitoring recovery — credit_report restored +6 — score 80 → 81, tier notify → clear

2026-08-12 13:11systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 81 → 80, tier clear → notify

2026-08-12 13:11systemLive monitoring recovery — business_bureau restored +6 — score 86 → 81, tier verify → clear

2026-08-11 17:49systemContract signed — Facility agreement signed by ילחיל

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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