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

Straits Meridian Supplies Pte Ltd

Lin Hao · UEN 202399866B · STRAITS-006

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

Block25/100

payment conduct34

cashflow0

credit report40

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Straits Meridian Supplies Pte Ltd scores 25/100 (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 — Compliance event from Registry Monitoring.

Score Breakdown

Payment Conduct · 30%34

Cashflow · 25%0

Credit Report · 20%40

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%55

Flagged as weak

Collateral · 5%17

Decision Trace

Portfolio reset — bucket: weak, score: 44, adverse: 2
--- Live Monitoring [2026-08-12T14:32] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 44 → 43, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T14:32] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 43 → 43, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T14:34] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 43 → 42, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T14:34] ---
Recovery: morality restored +4 → score 42 → 43, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T14:37] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 43 → 41, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:15] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 41 → 39, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:16] ---
Recovery: morality restored +5 → score 39 → 41, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T15:20] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 41 → 39, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:21] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 39 → 37, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:23] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 37 → 36, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:32] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 36 → 33, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:37] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 33 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:25] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:41] ---
Recovery: ownership_incorporation restored +8 → score 31 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T17:41] ---
Recovery: ownership_incorporation restored +8 → score 32 → 33, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:00] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 33 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 32 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:02] ---
Recovery: credit_report restored +8 → score 31 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:03] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 32 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Recovery: business_bureau restored +8 → score 30 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:05] ---
Recovery: cashflow restored +6 → score 31 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:07] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 32 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Recovery: morality restored +9 → score 31 → 34, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 34 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:08] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 32 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 32 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:32] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:33] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:35] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:36] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:58] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:03] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:03] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 31 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:04] ---
Recovery: collateral restored +9 → score 29 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:06] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 30 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:07] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 30 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:09] ---
Recovery: business_bureau restored +5 → score 30 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:10] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 30 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:14] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 29 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:14] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 29 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:14] ---
Recovery: credit_report restored +9 → score 28 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:17] ---
Recovery: ownership_incorporation restored +4 → score 30 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:18] ---
Recovery: credit_report restored +7 → score 30 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:21] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:32] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:33] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:34] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:35] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 31 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T13:57] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 30 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Recovery: ownership_incorporation restored +7 → score 29 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 30 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:38] ---
Recovery: credit_report restored +8 → score 30 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 31 → 31, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 31 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 29 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 28 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 28 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Recovery: cashflow restored +4 → score 28 → 29, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Recovery: morality restored +8 → score 29 → 32, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 32 → 30, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 30 → 28, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-26T13:00] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 28 → 27, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-26T13:01] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 27 → 25, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Lin Hao→Straits Meridian Supplies Pte Ltd

UBO · 75%registry

Mei Chen→Straits Meridian Supplies Pte Ltd

shared_owner · 70%credit_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

Very Weak

Utilization

79%

Credit lenders

Credit line (limit)

$12,000

Credit line utilization

79%

$9,500 used

Loans and mortgage

$16,000

Rating Commentary

"Ratio between credit-line utilization and repayment — weak."

"Recent payment-delay pattern with other lenders."

Indicators

ArrearsIndication: FLAGGED

Open Banking

Total across all accounts (4)

Combined balance

$2,150

Total income (90d)

$24,700

Total outcome (90d)

$32,500

Credit card

$3,900 of 5,000

Monthly loan repayments

$980/mo

Per-bank breakdown

scroll for all 4

OCBC· Personal account

SGD

Balance

$5,600

Income (90d)

$9,000

Outcome (90d)

$10,800

Maybank· Personal account

SGD

Balance

$1,400

Income (90d)

$2,500

Outcome (90d)

$2,900

UOB· Personal account

SGD

Balance

$1,050

Income (90d)

$2,200

Outcome (90d)

$2,600

HSBC· Business account — for Straits Meridian Supplies Pte Ltd

SGD

Balance

-$5,900

Income (90d)

$11,000

Outcome (90d)

$16,200

Audit Log

2026-08-26 13:01systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 27 → 25, tier block → block

2026-08-26 13:00systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 28 → 27, tier block → block

2026-08-24 09:45systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 30 → 28, tier block → block

2026-08-24 09:43systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 32 → 30, tier block → block

2026-08-24 09:43systemLive monitoring recovery — morality restored +8 — score 29 → 32, tier block → block

2026-08-24 09:41systemLive monitoring recovery — cashflow restored +4 — score 28 → 29, tier block → block

2026-08-24 09:41systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 28 → 28, tier block → block

2026-08-24 09:40systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 28 → 28, tier block → block

2026-08-24 09:40systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 29 → 28, tier block → block

2026-08-24 09:40systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 31 → 29, tier block → block

2026-08-24 09:40systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 31 → 31, tier block → block

2026-08-24 09:38systemLive monitoring recovery — credit_report restored +8 — score 30 → 31, tier block → block

2026-08-24 09:38systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 30 → 30, tier block → block

2026-08-24 09:36systemLive monitoring recovery — ownership_incorporation restored +7 — score 29 → 30, tier block → block

2026-08-13 13:57systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 30 → 29, tier block → block

2026-08-12 20:35systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 31 → 30, tier block → block

2026-08-12 20:34systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 31 → 31, tier block → block

2026-08-12 20:33systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 31 → 31, tier block → block

2026-08-12 20:32systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 31 → 31, tier block → block

2026-08-12 20:21systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 31 → 31, tier block → block

2026-08-12 20:18systemLive monitoring recovery — credit_report restored +7 — score 30 → 31, tier block → block

2026-08-12 20:17systemLive monitoring recovery — ownership_incorporation restored +4 — score 30 → 30, tier block → block

2026-08-12 20:14systemLive monitoring recovery — credit_report restored +9 — score 28 → 30, tier block → block

2026-08-12 20:14systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 29 → 28, tier block → block

2026-08-12 20:14systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 29 → 29, tier block → block

2026-08-12 20:10systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 30 → 29, tier block → block

2026-08-12 20:09systemLive monitoring recovery — business_bureau restored +5 — score 30 → 30, tier block → block

2026-08-12 20:07systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 30 → 30, tier block → block

2026-08-12 20:06systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 30 → 30, tier block → block

2026-08-12 20:04systemLive monitoring recovery — collateral restored +9 — score 29 → 30, tier block → block

2026-08-12 20:03systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 31 → 29, tier block → block

2026-08-12 20:03systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 31 → 31, tier block → block

2026-08-12 19:59systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 31 → 31, tier block → block

2026-08-12 19:58systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 31 → 31, tier block → block

2026-08-12 19:36systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 31 → 31, tier block → block

2026-08-12 19:35systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 31 → 31, tier block → block

2026-08-12 19:33systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 31 → 31, tier block → block

2026-08-12 19:32systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 31 → 31, tier block → block

2026-08-12 19:31systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 31 → 31, tier block → block

2026-08-12 19:31systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 32 → 31, tier block → block

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

2026-08-12 19:08systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 34 → 32, tier block → block

2026-08-12 19:08systemLive monitoring recovery — morality restored +9 — score 31 → 34, tier block → block

2026-08-12 19:07systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 32 → 31, tier block → block

2026-08-12 19:05systemLive monitoring recovery — cashflow restored +6 — score 31 → 32, tier block → block

2026-08-12 19:05systemLive monitoring recovery — business_bureau restored +8 — score 30 → 31, tier block → block

2026-08-12 19:03systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 32 → 30, tier block → block

2026-08-12 19:02systemLive monitoring recovery — credit_report restored +8 — score 31 → 32, tier block → block

2026-08-12 19:02systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 31 → 31, tier block → block

2026-08-12 19:02systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 32 → 31, tier block → block

2026-08-12 19:00systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 33 → 32, tier block → block

2026-08-12 17:41systemLive monitoring recovery — ownership_incorporation restored +8 — score 32 → 33, tier block → block

2026-08-12 17:41systemLive monitoring recovery — ownership_incorporation restored +8 — score 31 → 32, tier block → block

2026-08-12 17:25systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 31 → 31, tier block → block

2026-08-12 15:37systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 33 → 31, tier block → block

2026-08-12 15:32systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 36 → 33, tier block → block

2026-08-12 15:23systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 37 → 36, tier block → block

2026-08-12 15:21systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 39 → 37, tier block → block

2026-08-12 15:20systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 41 → 39, tier verify → block

2026-08-12 15:16systemLive monitoring recovery — morality restored +5 — score 39 → 41, tier block → verify

2026-08-12 15:15systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 41 → 39, tier block → block

2026-08-12 14:37systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 43 → 41, tier block → block

2026-08-12 14:34systemLive monitoring recovery — morality restored +4 — score 42 → 43, tier verify → block

2026-08-12 14:34systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 43 → 42, tier verify → verify

2026-08-12 14:32systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 43 → 43, tier verify → verify

2026-08-12 14:32systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 44 → 43, tier verify → verify

2026-08-12 14:27systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 56 → 53, tier block → block

2026-08-12 14:25systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 57 → 56, tier block → block

2026-08-12 14:25systemLive monitoring recovery — collateral restored +5 — score 57 → 57, tier block → block

2026-08-12 14:13systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 57 → 57, tier block → block

2026-08-12 13:58systemLive monitoring recovery — morality restored +7 — score 55 → 57, tier block → block

2026-08-12 13:57systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 57 → 55, tier block → block

2026-08-12 13:57systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 58 → 57, tier block → block

2026-08-12 13:51systemLive monitoring recovery — business_bureau restored +9 — score 57 → 58, tier block → block

2026-08-12 13:48systemLive monitoring recovery — business_bureau restored +7 — score 57 → 57, tier block → block

2026-08-12 13:32systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 59 → 57, tier block → block

2026-08-12 13:31systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 60 → 59, tier verify → block

2026-08-12 13:30systemLive monitoring recovery — credit_report restored +9 — score 58 → 60, tier verify → verify

2026-08-12 13:16systemLive monitoring recovery — credit_report restored +6 — score 57 → 58, tier verify → verify

2026-08-12 13:15systemLive monitoring recovery — morality restored +8 — score 54 → 57, tier verify → verify

2026-08-12 13:09systemLive monitoring recovery — business_bureau restored +4 — score 54 → 54, tier verify → verify

2026-08-12 13:09systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 53 → 54, tier verify → verify

2026-06-24 13:11systemApplication created — Straits Meridian Supplies Pte Ltd — initial score computed

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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