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

Riverside Trading Pte Ltd

Wei Ling Tan · UEN 202411234A · APP-MSP2X872

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

Block34/100

payment conduct15

cashflow38

credit report61

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Riverside Trading Pte Ltd scores 34/100 (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 44.

Reason: Score updated live — NSF / Returns event from Open Banking.

Score Breakdown

Payment Conduct · 30%15

Cashflow · 25%38

Credit Report · 20%61

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%63

Collateral · 5%24

Decision Trace

Portfolio reset — bucket: weak, score: 44, adverse: 1
--- Live Monitoring [2026-08-12T14:32] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 44 → 78, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:33] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 78 → 77, tier NOTIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:35] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 77 → 76, tier NOTIFY → BLOCK
--- Live Monitoring [2026-08-12T14:36] ---
Recovery: cashflow restored +5 → score 76 → 77, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:45] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 77 → 76, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T15:14] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 76 → 73, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:19] ---
Recovery: business_bureau restored +4 → score 73 → 74, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:19] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 74 → 71, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:21] ---
Recovery: cashflow restored +4 → score 71 → 72, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:25] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 72 → 71, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:37] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 71 → 71, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:37] ---
Recovery: morality restored +3 → score 71 → 71, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:39] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 71 → 69, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T18:41] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 69 → 68, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:58] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 68 → 67, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 67 → 66, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 66 → 65, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Recovery: ownership_incorporation restored +8 → score 65 → 66, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:04] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 66 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 64 → 63, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 63 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 60 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Recovery: business_bureau restored +4 → score 59 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 60 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 59 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 58 → 56, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Recovery: ownership_incorporation restored +3 → score 56 → 56, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:39] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 56 → 55, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:55] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 55 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 54 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:01] ---
Recovery: business_bureau restored +4 → score 52 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:03] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 53 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:04] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 52 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 51 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:09] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 49 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:16] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 48 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 48 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 44 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:53] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 43 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:54] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 42 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 42 → 40, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Recovery: credit_report restored +9 → score 40 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 42 → 40, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 40 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 39 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:42] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 36 → 35, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:42] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 35 → 34, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Recovery: morality restored +4 → score 34 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 36 → 33, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:46] ---
Recovery: cashflow restored +8 → score 33 → 35, tier BLOCK → BLOCK
--- Live Monitoring [2026-09-22T07:29] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 35 → 34, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

2026-09-22BounceNSF / Returns — Open Banking

Holding Tree

Wei Ling Tan→Riverside Trading Pte Ltd

UBO · 35%registry

Kim Seng Ong→Riverside Trading Pte Ltd

UBO · 65%registry

Wei Ling Tan→Riverside Trading Ventures Pte Ltd

shared_owner · 77%registry

Riverside Trading Holdings Pte Ltd→Riverside Trading Pte Ltd

shared_owner · 20%credit_report

Seng Huat Ng→Riverside Trading 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

Fair

Utilization

35%

Credit lenders

Credit line (limit)

$18,834

Credit line utilization

35%

$6,592 used

Loans and mortgage

$12,691

Rating Commentary

"No arrears on the most recent reporting cycle."

"Credit history moderate; utilization trending upward."

Indicators

ArrearsIndication: CLEARUtilizationIndication: CLEAR

Open Banking

Total across all accounts (1)

Combined balance

$3,337

Total income (90d)

$10,034

Total outcome (90d)

$19,177

Credit card

$4,264 of 3,183

Monthly loan repayments

$2,631/mo

Per-bank breakdown

OCBC Bank· Business account — for Riverside Trading Pte Ltd

SGD

Balance

$3,337

Income (90d)

$10,034

Outcome (90d)

$19,177

Audit Log

2026-09-22 07:29systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 35 → 34, tier block → block

2026-08-24 09:46systemLive monitoring recovery — cashflow restored +8 — score 33 → 35, tier block → block

2026-08-24 09:44systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 36 → 33, tier block → block

2026-08-24 09:43systemLive monitoring recovery — morality restored +4 — score 34 → 36, tier block → block

2026-08-24 09:42systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 35 → 34, tier block → block

2026-08-24 09:42systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 36 → 35, tier block → block

2026-08-24 09:40systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 39 → 36, tier block → block

2026-08-24 09:39systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 40 → 39, tier block → block

2026-08-24 09:39systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 42 → 40, tier block → block

2026-08-24 09:36systemLive monitoring recovery — credit_report restored +9 — score 40 → 42, tier block → block

2026-08-24 09:36systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 42 → 40, tier block → block

2026-08-12 20:54systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 42 → 42, tier block → block

2026-08-12 20:53systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 43 → 42, tier block → block

2026-08-12 20:34systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 44 → 43, tier block → block

2026-08-12 20:34systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 45 → 44, tier block → block

2026-08-12 20:18systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 45 → 45, tier block → block

2026-08-12 20:18systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 48 → 45, tier block → block

2026-08-12 20:16systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 48 → 48, tier block → block

2026-08-12 20:09systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 49 → 48, tier block → block

2026-08-12 20:08systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 51 → 49, tier block → block

2026-08-12 20:04systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 52 → 51, tier block → block

2026-08-12 20:03systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 53 → 52, tier block → block

2026-08-12 20:01systemLive monitoring recovery — business_bureau restored +4 — score 52 → 53, tier block → block

2026-08-12 19:59systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 54 → 52, tier block → block

2026-08-12 19:55systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 55 → 54, tier block → block

2026-08-12 19:39systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 56 → 55, tier block → block

2026-08-12 19:35systemLive monitoring recovery — ownership_incorporation restored +3 — score 56 → 56, tier block → block

2026-08-12 19:35systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 58 → 56, tier block → block

2026-08-12 19:34systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 59 → 58, tier block → block

2026-08-12 19:32systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 60 → 59, tier block → block

2026-08-12 19:31systemLive monitoring recovery — business_bureau restored +4 — score 59 → 60, tier block → block

2026-08-12 19:31systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 60 → 59, tier block → block

2026-08-12 19:08systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 63 → 60, tier block → block

2026-08-12 19:08systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 64 → 63, tier block → block

2026-08-12 19:04systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 66 → 64, tier block → block

2026-08-12 19:02systemLive monitoring recovery — ownership_incorporation restored +8 — score 65 → 66, tier block → block

2026-08-12 19:02systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 66 → 65, tier block → block

2026-08-12 19:01systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 67 → 66, tier block → block

2026-08-12 18:58systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 68 → 67, tier block → block

2026-08-12 18:41systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 69 → 68, tier block → block

2026-08-12 15:39systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 71 → 69, tier verify → block

2026-08-12 15:37systemLive monitoring recovery — morality restored +3 — score 71 → 71, tier verify → verify

2026-08-12 15:37systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 71 → 71, tier verify → verify

2026-08-12 15:25systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 72 → 71, tier notify → verify

2026-08-12 15:21systemLive monitoring recovery — cashflow restored +4 — score 71 → 72, tier verify → notify

2026-08-12 15:19systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 74 → 71, tier notify → verify

2026-08-12 15:19systemLive monitoring recovery — business_bureau restored +4 — score 73 → 74, tier verify → notify

2026-08-12 15:14systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 76 → 73, tier verify → verify

2026-08-12 14:45systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 77 → 76, tier block → verify

2026-08-12 14:36systemLive monitoring recovery — cashflow restored +5 — score 76 → 77, tier block → block

2026-08-12 14:35systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 77 → 76, tier notify → block

2026-08-12 14:33systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 78 → 77, tier notify → notify

2026-08-12 14:32systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 44 → 78, tier verify → notify

2026-08-12 14:31systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 83 → 81, tier clear → clear

2026-08-12 14:27systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 35 → 33, tier block → block

2026-08-12 13:57systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 36 → 35, tier block → block

2026-08-12 13:57systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 38 → 36, tier block → block

2026-08-12 13:49systemLive monitoring recovery — ownership_incorporation restored +8 — score 37 → 38, tier block → block

2026-08-12 13:48systemLive monitoring recovery — credit_report restored +8 — score 35 → 37, tier block → block

2026-08-12 13:47systemLive monitoring recovery — ownership_incorporation restored +4 — score 35 → 35, tier block → block

2026-08-12 13:43systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 36 → 35, tier block → block

2026-08-12 13:31systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 38 → 36, tier block → block

2026-08-12 13:31systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 40 → 38, tier block → block

2026-08-12 13:15systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 42 → 40, tier block → block

2026-08-12 13:14systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 43 → 42, tier block → block

2026-08-12 13:13systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 46 → 43, tier block → block

2026-08-12 13:12systemLive monitoring recovery — ownership_incorporation restored +8 — score 45 → 46, tier block → block

2026-08-12 13:12systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 49 → 45, tier verify → block

2026-08-11 19:54systemContract signed — Facility agreement signed by wei lin tau

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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