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-MSQ6KTHZ

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

Block12/100

payment conduct15

cashflow0

credit report24

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Marina Bay Consultants Pte Ltd scores 12/100 (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 BLOCK — score 20.

Reason: Score recovered — credit_report improvement detected.

Score Breakdown

Payment Conduct · 30%15

Cashflow · 25%0

Credit Report · 20%24

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%29

Flagged as weak

Collateral · 5%3

Decision Trace

Portfolio reset — bucket: poor, score: 20, adverse: 2
--- Live Monitoring [2026-08-12T14:33] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 20 → 18, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:34] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 18 → 16, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Recovery: collateral restored +4 → score 16 → 17, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:35] ---
Recovery: cashflow restored +5 → score 17 → 18, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T14:38] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 18 → 17, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:11] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 17 → 15, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:14] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 15 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:16] ---
Recovery: ownership_incorporation restored +7 → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:18] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:21] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:24] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 13 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:25] ---
Recovery: collateral restored +9 → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:27] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 12 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:31] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:34] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T16:41] ---
Recovery: ownership_incorporation restored +6 → score 11 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:40] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:06] ---
Recovery: credit_report restored +5 → score 12 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:01] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 13 → 10, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Recovery: ownership_incorporation restored +6 → score 10 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:07] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 11 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 9 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 9 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:09] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 9 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:30] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 9 → 8, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Recovery: ownership_incorporation restored +6 → score 8 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 9 → 8, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Recovery: morality restored +8 → score 8 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:54] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Recovery: collateral restored +8 → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 11 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:00] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 11 → 10, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:01] ---
Recovery: cashflow restored +7 → score 10 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:12] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:13] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 12 → 11, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:14] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 11 → 9, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:15] ---
Recovery: ownership_incorporation restored +5 → score 9 → 10, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Recovery: morality restored +7 → score 10 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Recovery: morality restored +5 → score 12 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:55] ---
Recovery: morality restored +5 → score 13 → 15, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T17:31] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 15 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 13 → 13, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 13 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:46] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 12 → 12, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:46] ---
Recovery: credit_report restored +3 → score 12 → 12, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

No holding tree edges discovered.

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

No credit report pulled.

Open Banking

No open banking accounts connected.

Audit Log

2026-08-24 09:46systemLive monitoring recovery — credit_report restored +3 — score 12 → 12, tier block → block

2026-08-24 09:46systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 12 → 12, tier block → block

2026-08-24 09:45systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 12 → 12, tier block → block

2026-08-24 09:44systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 12 → 12, tier block → block

2026-08-24 09:44systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 12 → 12, tier block → block

2026-08-24 09:43systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 12 → 12, tier block → block

2026-08-24 09:43systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 13 → 12, tier block → block

2026-08-24 09:43systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 13 → 13, tier block → block

2026-08-24 09:43systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 13 → 13, tier block → block

2026-08-13 17:31systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 15 → 13, tier block → block

2026-08-12 20:55systemLive monitoring recovery — morality restored +5 — score 13 → 15, tier block → block

2026-08-12 20:51systemLive monitoring recovery — morality restored +5 — score 12 → 13, tier block → block

2026-08-12 20:51systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 12 → 12, tier block → block

2026-08-12 20:51systemLive monitoring recovery — morality restored +7 — score 10 → 12, tier block → block

2026-08-12 20:15systemLive monitoring recovery — ownership_incorporation restored +5 — score 9 → 10, tier block → block

2026-08-12 20:14systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 11 → 9, tier block → block

2026-08-12 20:13systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 12 → 11, tier block → block

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

2026-08-12 20:01systemLive monitoring recovery — cashflow restored +7 — score 10 → 12, tier block → block

2026-08-12 20:00systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 11 → 10, tier block → block

2026-08-12 19:59systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 11 → 11, tier block → block

2026-08-12 19:59systemLive monitoring recovery — collateral restored +8 — score 11 → 11, tier block → block

2026-08-12 19:54systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 11 → 11, tier block → block

2026-08-12 19:33systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 11 → 11, tier block → block

2026-08-12 19:33systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 11 → 11, tier block → block

2026-08-12 19:33systemLive monitoring recovery — morality restored +8 — score 8 → 11, tier block → block

2026-08-12 19:32systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 9 → 8, tier block → block

2026-08-12 19:32systemLive monitoring recovery — ownership_incorporation restored +6 — score 8 → 9, tier block → block

2026-08-12 19:30systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 9 → 8, tier block → block

2026-08-12 19:09systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 9 → 9, tier block → block

2026-08-12 19:08systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 9 → 9, tier block → block

2026-08-12 19:08systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 9 → 9, tier block → block

2026-08-12 19:07systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 11 → 9, tier block → block

2026-08-12 19:02systemLive monitoring recovery — ownership_incorporation restored +6 — score 10 → 11, tier block → block

2026-08-12 19:01systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 13 → 10, tier block → block

2026-08-12 18:06systemLive monitoring recovery — credit_report restored +5 — score 12 → 13, tier block → block

2026-08-12 17:40systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 12 → 12, tier block → block

2026-08-12 16:41systemLive monitoring recovery — ownership_incorporation restored +6 — score 11 → 12, tier block → block

2026-08-12 15:34systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 11 → 11, tier block → block

2026-08-12 15:31systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 11 → 11, tier block → block

2026-08-12 15:27systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 12 → 11, tier block → block

2026-08-12 15:25systemLive monitoring recovery — collateral restored +9 — score 12 → 12, tier block → block

2026-08-12 15:24systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 13 → 12, tier block → block

2026-08-12 15:21systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 13 → 13, tier block → block

2026-08-12 15:18systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 13 → 13, tier block → block

2026-08-12 15:16systemLive monitoring recovery — ownership_incorporation restored +7 — score 13 → 13, tier block → block

2026-08-12 15:14systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 15 → 13, tier block → block

2026-08-12 15:11systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 17 → 15, tier block → block

2026-08-12 14:38systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 18 → 17, tier block → block

2026-08-12 14:35systemLive monitoring recovery — cashflow restored +5 — score 17 → 18, tier block → block

2026-08-12 14:35systemLive monitoring recovery — collateral restored +4 — score 16 → 17, tier block → block

2026-08-12 14:34systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 18 → 16, tier block → block

2026-08-12 14:33systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 20 → 18, tier block → block

2026-08-12 14:27systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 83 → 82, tier clear → notify

2026-08-12 14:24systemContract signed — Facility agreement signed by applicant

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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