kyc.meridian.bank.sg/application/review
MeriLend KYC Platform
KYC Assessment
Credit Analysis
Compliance
KYC Agent · Meridian Bank
KYC & Credit Decisioning
Four data sources joined inside a TEE. The agent receives a decision — not the underlying data. No source sees what any other contributed.
Read-only · 4 sources
MAS Notice 626
PDPA compliant
SGP data residency
Credit Bureau Singapore
CBS
Credit score
Repayment history
Outstanding facilities
Idle
ACRA Company Registry
ACRA
Company registration
Directorships
Annual filings
Idle
MAS / FATF Sanctions
MAS
AML screening
FATF watchlist
PEP status
Idle
Internal CDD Records
CDD
Existing relationship
Account conduct
Prior applications
Idle
◆ Applicant references shown as placeholder tokens. Real identity values are never passed to the agent or the KYC platform client.
Sending to T3 Network
Four encrypted payloads are being joined and assessed inside a hardware-attested TEE. No source sees another's contribution.
CBS — credit score, repayment historyENCRYPTED
ACRA — directorships, registrationENCRYPTED
MAS — AML / FATF screening resultENCRYPTED
CDD — internal relationship recordENCRYPTED
KYC Outcome
PASS
AML · FATF · PEP — cleared
Credit Tier · Score
B1 — 7.2 / 10
Approve with conditions
Raw credit data, filings, and screening results not returned to agent
Flags requiring attention
◇ Review — Directorship
Applicant holds directorship in a related entity with a linked credit facility at another institution.
Refer to credit analyst for consolidated exposure review before approval.
Cleared
✓
AML screening — no matches on MAS / FATF watchlists
✓
Sanctions — not a Politically Exposed Person
✓
Repayment history — no defaults in past 60 months
✓
Internal CDD — existing relationship, satisfactory conduct
✓
Decision Sealed
KYC passed. Credit tier B1 assigned. One flag referred for analyst review. Audit trail immutably sealed on T3 Network. No raw data was exposed to the agent.
audit_root0xa4c7e5bd2f019c4a...f309
merkle_block#2,194,823 · T3 Network SGP
statusReferred — analyst review queued
Inside T3 Network
Four encrypted data streams — credit history, corporate registry, sanctions list, internal CDD — joined inside a hardware-attested TEE. No source sees another's contribution.
Intel TDX · SGP · Attested
Execution Request
contract: "fin.kyc.credit_assess"
agent: did:t3:...kyc-001
applicant: {applicant.ref}
sources: ["cbs","acra","mas.fatf","bank.cdd"]
vc_ref: "vc:kyc:meridian:001"
scope: "read.kyc_credit"
TEE Enclave
attested
Consent verified
4/4 sources covered
Data joined in-enclave
sources: 4
no plaintext egress
no plaintext egress
KYC assessed
kyc_outcome: "pass"
aml: clear
aml: clear
Credit scored
tier: "B1" score: 7.2
Flag raised
directorship.related_entity
severity: "review"
severity: "review"
Merkle audit entry
block #2,194,823
0xa4c7e5bd2f01...f309
T3N · TEE-attested confidential compute · SGP data residency
no data source sees any other's contribution — agent sees only the decision