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

Tan Wei Ming

Tan Wei Ming · UEN — · TANWM-008

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

Block43/100

payment conduct63

cashflow0

credit report78

Anti-Fraud Rules

Clear0 alerts

Compliance Rules

Active9 active

Online verified (Full KYC)conditional

Referral senderconditional

Fraud Intelligence

ClearNo match

Fused Decision

Block

Tan Wei Ming scores 43/100 (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 85.

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

Score Breakdown

Payment Conduct · 30%63

Cashflow · 25%0

Credit Report · 20%78

Business Bureau · 10%0

Flagged as weak

Ownership & Incorporation · 10%55

Flagged as weak

Collateral · 5%52

Decision Trace

Portfolio reset — bucket: strong, score: 85, adverse: 0
--- Live Monitoring [2026-08-12T14:33] ---
Recovery: collateral restored +6 → score 85 → 85, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:35] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 85 → 84, tier CLEAR → CLEAR
--- Live Monitoring [2026-08-12T14:35] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 84 → 82, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T14:36] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 82 → 80, tier NOTIFY → BLOCK
--- Live Monitoring [2026-08-12T14:36] ---
Recovery: credit_report restored +4 → score 80 → 81, tier BLOCK → VERIFY
--- Live Monitoring [2026-08-12T14:37] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 81 → 80, tier VERIFY → NOTIFY
--- Live Monitoring [2026-08-12T14:37] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 80 → 78, tier NOTIFY → BLOCK
--- Live Monitoring [2026-08-12T15:11] ---
Recovery: credit_report restored +7 → score 78 → 80, tier BLOCK → CLEAR
--- Live Monitoring [2026-08-12T15:13] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 80 → 78, tier CLEAR → NOTIFY
--- Live Monitoring [2026-08-12T15:21] ---
Recovery: morality restored +8 → score 78 → 81, tier NOTIFY → CLEAR
--- Live Monitoring [2026-08-12T15:26] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 81 → 80, tier CLEAR → VERIFY
--- Live Monitoring [2026-08-12T15:29] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 80 → 79, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:29] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 79 → 78, tier VERIFY → VERIFY
--- Live Monitoring [2026-08-12T15:33] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 78 → 76, tier VERIFY → BLOCK
--- Live Monitoring [2026-08-12T15:33] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 76 → 73, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:34] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 73 → 71, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:34] ---
Recovery: credit_report restored +6 → score 71 → 72, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:35] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 72 → 70, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T15:37] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 70 → 68, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:13] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 68 → 67, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T18:58] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 67 → 65, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:04] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 65 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:06] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 64 → 64, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:31] ---
Event: Legal Proceedings (LEGAL) via Court Records Monitoring
Component business_bureau reduced → score 64 → 63, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 63 → 62, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:34] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 62 → 61, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:40] ---
Event: Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring
Component ownership_incorporation reduced → score 61 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:53] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 60 → 59, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:55] ---
Recovery: ownership_incorporation restored +7 → score 59 → 60, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:57] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 60 → 58, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T19:59] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 58 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:00] ---
Recovery: business_bureau restored +8 → score 57 → 57, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:01] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 57 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:02] ---
Event: Cashflow Deterioration (TRANSFER) via Open Banking
Component cashflow reduced → score 54 → 54, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:04] ---
Event: Adverse Media (ADVERSE_MEDIA) via News Monitoring
Component morality reduced → score 54 → 53, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:04] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 53 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:05] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:07] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:10] ---
Recovery: collateral restored +3 → score 51 → 51, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:14] ---
Recovery: business_bureau restored +7 → score 51 → 52, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:32] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 52 → 50, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:33] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 50 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:33] ---
Event: Compliance (COMPLIANCE) via Registry Monitoring
Component morality reduced → score 48 → 47, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:50] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 47 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Recovery: ownership_incorporation restored +4 → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:51] ---
Recovery: morality restored +9 → score 45 → 48, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:54] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 48 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T20:55] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-12T22:01] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 44 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-13T14:26] ---
Event: NSF / Returns (NSF) via Open Banking
Component cashflow reduced → score 43 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:36] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 42 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Recovery: cashflow restored +8 → score 42 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:39] ---
Recovery: morality restored +4 → score 44 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:40] ---
Event: Insolvency (INSOLVENCY) via Court & Insolvency Registry
Component business_bureau reduced → score 45 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Event: Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking
Component credit_report reduced → score 45 → 44, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 44 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:41] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 42 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 42 → 42, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Recovery: ownership_incorporation restored +8 → score 42 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:43] ---
Event: Large Withdrawal (WITHDRAW) via Open Banking
Component cashflow reduced → score 43 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: New Charge (NEW_CHARGE) via Registry Monitoring
Component collateral reduced → score 43 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Recovery: cashflow restored +8 → score 43 → 45, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:44] ---
Event: Cashflow Deterioration (INCOME_SHIFT) via Open Banking
Component cashflow reduced → score 45 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: Bureau Alert (BUREAU_ALERT) via Credit Bureau
Component business_bureau reduced → score 43 → 43, tier BLOCK → BLOCK
--- Live Monitoring [2026-08-24T09:45] ---
Event: NSF / Returns (BOUNCE) via Open Banking
Component cashflow reduced → score 43 → 43, tier BLOCK → BLOCK

Active Monitoring

NSF (lifetime)

NSF (last 90d)

Limit exceeded

Large transfers

Monitoring Timeline

No monitoring events recorded.

Holding Tree

Tan Wei Ming→Tan Wei Ming

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

33%

Credit lenders

Credit line (limit)

$15,000

Credit line utilization

33%

$5,000 used

Loans and mortgage

$6,000

Rating Commentary

"No arrears on the most recent reporting cycle."

"Credit history length — long, favorable."

Indicators

ArrearsIndication: CLEAR

Open Banking

Total across all accounts (2)

Combined balance

$24,950

Total income (90d)

$20,000

Total outcome (90d)

$22,100

Credit card

$1,900 of 6,000

Monthly loan repayments

$300/mo

Per-bank breakdown

DBS Bank· Personal account

SGD

Balance

$18,750

Income (90d)

$15,000

Outcome (90d)

$13,200

OCBC· Personal account

SGD

Balance

$6,200

Income (90d)

$5,000

Outcome (90d)

$8,900

Audit Log

2026-08-24 09:45systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 43 → 43, tier block → block

2026-08-24 09:45systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 43 → 43, tier block → block

2026-08-24 09:44systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 45 → 43, tier block → block

2026-08-24 09:44systemLive monitoring recovery — cashflow restored +8 — score 43 → 45, tier block → block

2026-08-24 09:44systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 43 → 43, tier block → block

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

2026-08-24 09:43systemLive monitoring recovery — ownership_incorporation restored +8 — score 42 → 43, tier block → block

2026-08-24 09:43systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 42 → 42, tier block → block

2026-08-24 09:41systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 42 → 42, tier block → block

2026-08-24 09:41systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 44 → 42, tier block → block

2026-08-24 09:41systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 45 → 44, tier block → block

2026-08-24 09:40systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 45 → 45, tier block → block

2026-08-24 09:39systemLive monitoring recovery — morality restored +4 — score 44 → 45, tier block → block

2026-08-24 09:39systemLive monitoring recovery — cashflow restored +8 — score 42 → 44, tier block → block

2026-08-24 09:36systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 42 → 42, tier block → block

2026-08-13 14:26systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 43 → 42, tier block → block

2026-08-12 22:01systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 44 → 43, tier block → block

2026-08-12 20:55systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 45 → 44, tier block → block

2026-08-12 20:54systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 48 → 45, tier block → block

2026-08-12 20:51systemLive monitoring recovery — morality restored +9 — score 45 → 48, tier block → block

2026-08-12 20:51systemLive monitoring recovery — ownership_incorporation restored +4 — score 45 → 45, tier block → block

2026-08-12 20:50systemLive monitoring event — NSF / Returns (BOUNCE) via Open Banking — score 47 → 45, tier block → block

2026-08-12 20:33systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 48 → 47, tier block → block

2026-08-12 20:33systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 50 → 48, tier block → block

2026-08-12 20:32systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 52 → 50, tier block → block

2026-08-12 20:14systemLive monitoring recovery — business_bureau restored +7 — score 51 → 52, tier block → block

2026-08-12 20:10systemLive monitoring recovery — collateral restored +3 — score 51 → 51, tier block → block

2026-08-12 20:07systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 51 → 51, tier block → block

2026-08-12 20:05systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 51 → 51, tier block → block

2026-08-12 20:04systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 53 → 51, tier block → block

2026-08-12 20:04systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 54 → 53, tier block → block

2026-08-12 20:02systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 54 → 54, tier block → block

2026-08-12 20:01systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 57 → 54, tier block → block

2026-08-12 20:00systemLive monitoring recovery — business_bureau restored +8 — score 57 → 57, tier block → block

2026-08-12 19:59systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 58 → 57, tier block → block

2026-08-12 19:57systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 60 → 58, tier block → block

2026-08-12 19:55systemLive monitoring recovery — ownership_incorporation restored +7 — score 59 → 60, tier block → block

2026-08-12 19:53systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 60 → 59, tier block → block

2026-08-12 19:40systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 61 → 60, tier block → block

2026-08-12 19:34systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 62 → 61, tier block → block

2026-08-12 19:34systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 63 → 62, tier block → block

2026-08-12 19:31systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 64 → 63, tier block → block

2026-08-12 19:06systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 64 → 64, tier block → block

2026-08-12 19:04systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 65 → 64, tier block → block

2026-08-12 18:58systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 67 → 65, tier block → block

2026-08-12 18:13systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 68 → 67, tier block → block

2026-08-12 15:37systemLive monitoring event — Large Withdrawal (WITHDRAW) via Open Banking — score 70 → 68, tier block → block

2026-08-12 15:35systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 72 → 70, tier block → block

2026-08-12 15:34systemLive monitoring recovery — credit_report restored +6 — score 71 → 72, tier block → block

2026-08-12 15:34systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 73 → 71, tier block → block

2026-08-12 15:33systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 76 → 73, tier block → block

2026-08-12 15:33systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 78 → 76, tier verify → block

2026-08-12 15:29systemLive monitoring event — Ownership Change (OWNERSHIP_CHANGE) via Registry Monitoring — score 79 → 78, tier verify → verify

2026-08-12 15:29systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 80 → 79, tier verify → verify

2026-08-12 15:26systemLive monitoring event — Bureau Alert (BUREAU_ALERT) via Credit Bureau — score 81 → 80, tier clear → verify

2026-08-12 15:21systemLive monitoring recovery — morality restored +8 — score 78 → 81, tier notify → clear

2026-08-12 15:13systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 80 → 78, tier clear → notify

2026-08-12 15:11systemLive monitoring recovery — credit_report restored +7 — score 78 → 80, tier block → clear

2026-08-12 14:37systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 80 → 78, tier notify → block

2026-08-12 14:37systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 81 → 80, tier verify → notify

2026-08-12 14:36systemLive monitoring recovery — credit_report restored +4 — score 80 → 81, tier block → verify

2026-08-12 14:36systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 82 → 80, tier notify → block

2026-08-12 14:35systemLive monitoring event — NSF / Returns (NSF) via Open Banking — score 84 → 82, tier clear → notify

2026-08-12 14:35systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 85 → 84, tier clear → clear

2026-08-12 14:33systemLive monitoring recovery — collateral restored +6 — score 85 → 85, tier clear → clear

2026-08-12 14:27systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 50 → 49, tier block → block

2026-08-12 14:25systemLive monitoring event — Compliance (COMPLIANCE) via Registry Monitoring — score 53 → 50, tier block → block

2026-08-12 14:14systemLive monitoring recovery — collateral restored +4 — score 53 → 53, tier block → block

2026-08-12 14:13systemLive monitoring event — Cashflow Deterioration (INCOME_SHIFT) via Open Banking — score 56 → 53, tier block → block

2026-08-12 14:13systemLive monitoring event — Credit Limit Exceeded (LIMIT_EXCEEDED) via Open Banking — score 56 → 56, tier block → block

2026-08-12 13:32systemLive monitoring event — Legal Proceedings (LEGAL) via Court Records Monitoring — score 57 → 56, tier block → block

2026-08-12 13:30systemLive monitoring event — Cashflow Deterioration (TRANSFER) via Open Banking — score 59 → 57, tier block → block

2026-08-12 13:29systemLive monitoring recovery — collateral restored +3 — score 59 → 59, tier block → block

2026-08-12 13:19systemLive monitoring event — New Charge (NEW_CHARGE) via Registry Monitoring — score 59 → 59, tier block → block

2026-08-12 13:11systemLive monitoring recovery — cashflow restored +5 — score 58 → 59, tier block → block

2026-08-12 13:10systemLive monitoring event — Insolvency (INSOLVENCY) via Court & Insolvency Registry — score 61 → 58, tier block → block

2026-08-12 13:10systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 62 → 61, tier verify → block

2026-08-12 13:10systemLive monitoring recovery — morality restored +4 — score 60 → 62, tier block → verify

2026-08-12 13:09systemLive monitoring event — Adverse Media (ADVERSE_MEDIA) via News Monitoring — score 69 → 60, tier verify → block

2026-04-13 13:11systemApplication created — Tan Wei Ming — initial score computed

Simulate Monitoring Event

Demo utility — in production replaced by real event ingestion.

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