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

Sengkang Renovation Pte Ltd

Goh Siew Hua · UEN 201945678L · SENGKANG-002

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

Block50/100

payment conduct39

cashflow33

credit report89

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Sengkang Renovation Pte Ltd scores 50/100 (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 CLEAR — score 80.

Reason: Score updated live — Adverse Media event from News Monitoring.

Score Breakdown

Payment Conduct · 30%39

Cashflow · 25%33

Credit Report · 20%89

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%100

Collateral · 5%48

Decision Trace

Portfolio reset — bucket: strong, score: 80, adverse: 0
--- Live Monitoring [2026-08-12T14:33] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 80 → 79, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T14:33] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 79 → 78, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T14:36] ---
Recovery: cashflow restored +7 → score 78 → 79, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:11] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 79 → 79, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:15] ---
Recovery: collateral restored +9 → score 79 → 79, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:16] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 79 → 79, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:22] ---
Recovery: credit_report restored +4 → score 79 → 80, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T15:30] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 80 → 77, tier NOTIFY → VERIFY
--- Live Monitoring [2026-08-12T15:34] ---
Recovery: morality restored +7 → score 77 → 79, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:36] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 79 → 76, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:38] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 76 → 75, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T16:58] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 75 → 74, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:08] ---
Recovery: ownership_incorporation restored +5 → score 74 → 74, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 74 → 74, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:04] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 74 → 71, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:06] ---
Recovery: cashflow restored +5 → score 71 → 73, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:09] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 73 → 69, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 69 → 66, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 66 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 64 → 63, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 63 → 62, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 62 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:39] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 58 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:56] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 57 → 55, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 55 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 53 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:08] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 52 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:12] ---
Recovery: credit_report restored +4 → score 52 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:16] ---
Recovery: cashflow restored +5 → score 52 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:17] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 54 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 51 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:19] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 49 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:31] ---
Recovery: credit_report restored +3 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:31] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:32] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 47 → 46, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:32] ---
Recovery: credit_report restored +5 → score 46 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Recovery: credit_report restored +4 → score 47 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:52] ---
Recovery: cashflow restored +4 → score 48 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:53] ---
Recovery: credit_report restored +9 → score 49 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:58] ---
Recovery: ownership_incorporation restored +8 → score 50 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:01] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:26] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 51 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:37] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 49 → 49, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Recovery: credit_report restored +5 → score 49 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Recovery: morality restored +7 → score 50 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 52 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 52 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Recovery: business_bureau restored +8 → score 52 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:42] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 53 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 52 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Recovery: morality restored +4 → score 50 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 52 → 50, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Goh Siew Hua→Sengkang Renovation Pte Ltd

UBO · 100%registry

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

30%

Credit lenders

Credit line (limit)

$25,000

Credit line utilization

30%

$7,500 used

Loans and mortgage

$9,000

Rating Commentary

"No arrears on the most recent reporting cycle."

"Credit history length — long, favorable."

Indicators

ArrearsIndication: CLEAR

Open Banking

Total across all accounts (1)

Combined balance

$21,891

Total income (90d)

$32,000

Total outcome (90d)

$34,500

Credit card

$1,400 of 5,000

Monthly loan repayments

$320/mo

Per-bank breakdown

DBS Bank· Personal account

SGD

Balance

$21,891

Income (90d)

$32,000

Outcome (90d)

$34,500

Audit Log

2026-08-24 09:45systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 52 → 50, tier block → block

2026-08-24 09:45systemLive monitoring recovery — morality restored +4 — score 50 → 52, tier block → block

2026-08-24 09:43systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 52 → 50, tier block → block

2026-08-24 09:42systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 53 → 52, tier block → block

2026-08-24 09:41systemLive monitoring recovery — business_bureau restored +8 — score 52 → 53, tier block → block

2026-08-24 09:39systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 52 → 52, tier block → block

2026-08-24 09:39systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 52 → 52, tier block → block

2026-08-24 09:38systemLive monitoring recovery — morality restored +7 — score 50 → 52, tier block → block

2026-08-24 09:38systemLive monitoring recovery — credit_report restored +5 — score 49 → 50, tier block → block

2026-08-24 09:37systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 49 → 49, tier block → block

2026-08-24 09:36systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 49 → 49, tier block → block

2026-08-24 09:26systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 51 → 49, tier block → block

2026-08-12 22:01systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 51 → 51, tier block → block

2026-08-12 20:58systemLive monitoring recovery — ownership_incorporation restored +8 — score 50 → 51, tier block → block

2026-08-12 20:53systemLive monitoring recovery — credit_report restored +9 — score 49 → 50, tier block → block

2026-08-12 20:52systemLive monitoring recovery — cashflow restored +4 — score 48 → 49, tier block → block

2026-08-12 20:51systemLive monitoring recovery — credit_report restored +4 — score 47 → 48, tier block → block

2026-08-12 20:32systemLive monitoring recovery — credit_report restored +5 — score 46 → 47, tier block → block

2026-08-12 20:32systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 47 → 46, tier block → block

2026-08-12 20:31systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 48 → 47, tier block → block

2026-08-12 20:31systemLive monitoring recovery — credit_report restored +3 — score 47 → 48, tier block → block

2026-08-12 20:19systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 49 → 47, tier block → block

2026-08-12 20:18systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 51 → 49, tier block → block

2026-08-12 20:17systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 54 → 51, tier block → block

2026-08-12 20:16systemLive monitoring recovery — cashflow restored +5 — score 52 → 54, tier block → block

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

2026-08-12 20:08systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 52 → 52, tier block → block

2026-08-12 20:08systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 53 → 52, tier block → block

2026-08-12 20:08systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 55 → 53, tier block → block

2026-08-12 19:56systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 57 → 55, tier block → block

2026-08-12 19:39systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 58 → 57, tier block → block

2026-08-12 19:36systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 62 → 58, tier block → block

2026-08-12 19:35systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 63 → 62, tier block → block

2026-08-12 19:35systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 63 → 60, tier block → block

2026-08-12 19:34systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 64 → 63, tier block → block

2026-08-12 19:34systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 66 → 64, tier block → block

2026-08-12 19:32systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 69 → 66, tier block → block

2026-08-12 19:09systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 73 → 69, tier block → block

2026-08-12 19:06systemLive monitoring recovery — cashflow restored +5 — score 71 → 73, tier block → block

2026-08-12 19:04systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 74 → 71, tier block → block

2026-08-12 19:02systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 74 → 74, tier block → block

2026-08-12 18:08systemLive monitoring recovery — ownership_incorporation restored +5 — score 74 → 74, tier block → block

2026-08-12 16:58systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 75 → 74, tier block → block

2026-08-12 15:38systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 76 → 75, tier verify → block

2026-08-12 15:36systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 79 → 76, tier verify → verify

2026-08-12 15:34systemLive monitoring recovery — morality restored +7 — score 77 → 79, tier verify → verify

2026-08-12 15:30systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 80 → 77, tier notify → verify

2026-08-12 15:22systemLive monitoring recovery — credit_report restored +4 — score 79 → 80, tier verify → notify

2026-08-12 15:16systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 79 → 79, tier notify → verify

2026-08-12 15:15systemLive monitoring recovery — collateral restored +9 — score 79 → 79, tier verify → notify

2026-08-12 15:11systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 79 → 79, tier notify → verify

2026-08-12 14:36systemLive monitoring recovery — cashflow restored +7 — score 78 → 79, tier verify → notify

2026-08-12 14:33systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 79 → 78, tier notify → verify

2026-08-12 14:33systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 80 → 79, tier clear → notify

2026-08-12 14:26systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 72 → 71, tier block → block

2026-08-12 14:25systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 73 → 72, tier block → block

2026-08-12 14:22systemLive monitoring recovery — credit_report restored +6 — score 72 → 73, tier block → block

2026-08-12 14:19systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 73 → 72, tier block → block

2026-08-12 14:13systemLive monitoring recovery — ownership_incorporation restored +6 — score 73 → 73, tier block → block

2026-08-12 13:47systemLive monitoring recovery — cashflow restored +3 — score 72 → 73, tier block → block

2026-08-12 13:32systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 74 → 72, tier verify → block

2026-08-12 13:31systemLive monitoring recovery — ownership_incorporation restored +7 — score 74 → 74, tier verify → verify

2026-08-12 13:31systemLive monitoring recovery — credit_report restored +4 — score 73 → 74, tier verify → verify

2026-08-12 13:15systemLive monitoring recovery — credit_report restored +4 — score 72 → 73, tier verify → verify

2026-08-12 13:12systemLive monitoring recovery — business_bureau restored +8 — score 71 → 72, tier verify → verify

2026-08-12 13:10systemLive monitoring recovery — morality restored +9 — score 69 → 71, tier block → verify

2026-08-12 13:09systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 70 → 69, tier verify → block

2026-08-12 13:09systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 75 → 70, tier notify → verify

2026-02-12 13:11systemApplication created — Sengkang Renovation Pte Ltd — initial score computed

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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