The Only Security-Driven Compliance Platform & Managed Service
Konfirmity combines enterprise-grade platform capabilities with dedicated CISO expertise--40 hours per month building security that generates compliance evidence automatically.
Book A Demo[01] Why It Matters
The Stakes: Why fintech compliance is an existential issue
License Revocation
When regulators revoke your license, your entire business ceases to exist. MAS revoked a CMS licence in July 2025 for governance failures.
100% of company value at risk
Banking Partnership Loss
A single failed security review can sever relationships worth millions in annual processing volume. Word travels fast in banking networks.
$500K-$5M+ per partner
Executive Personal Liability
MAS issued prohibition orders of 3-6 years against individual executives. Australia's FAR holds senior executives personally accountable.
Criminal prosecution risk
Reputational Destruction
Enforcement actions are public. Customers, investors, and partners lose confidence overnight. 63% of market value tied to reputation.
Investor flight - Market loss
[02] Jurisdiction Coverage
Country-by-Country Regulatory Coverage
// Primary Regulators
Monetary Authority of Singapore (MAS) for all financial institutions, payment service providers, and capital markets services licensees.
// Key Frameworks
MAS Technology Risk Management (TRM) Guidelines, MAS Cyber Hygiene Notice, MAS Notice 644 on Technology Risk Management, Payment Services Act, SOC 2 Type II for enterprise partnerships.
// License Types
Capital Markets Services (CMS) Licence, Major Payment Institution (MPI) Licence, Standard Payment Institution Licence, Money-Changing Licence, Recognised Market Operator.
// Enforcement Trend
MAS revoked a CMS licence in July 2025 for governance and risk-management failures, and has issued multi-year prohibition orders against individual executives. TRM examinations are increasingly thematic and outcome-based.
// Key Obligations
Implement TRM controls proportionate to your technology risk profile, report incidents to MAS within 1 hour of discovery, conduct annual penetration testing, maintain a tested business continuity plan, and demonstrate board-level technology risk oversight.
// Unique Challenges
MAS expects evidence of board engagement, not just documented policies. Cross-border data flows under PDPA add complexity for regional fintechs. Outsourcing arrangements (including cloud) require notification and ongoing oversight.
// What Konfirmity Covers
MAS TRM gap assessment and continuous control monitoring, Cyber Hygiene Notice attestation evidence, incident-response runbooks aligned to the 1-hour reporting window, board-pack generation, and outsourcing register maintenance.
[03] Frameworks
One Platform, Every Obligation
Framework
What It Covers
How Konfirmity Helps
Regions
MAS TRM
Technology risk, cyber resilience, third-party risk, incident response
Full TRM implementation with continuous monitoring and automated evidence
Singapore
SOC 2 Type II
Security, availability, confidentiality across 9-12 month periods
Automated evidence collection, auditor-ready packages, continuous control monitoring
USA
ISO 27001
ISMS across 114 controls and 14 domains
Full ISMS implementation, risk assessment, certification & surveillance
Global
PCI-DSS
Cardholder data protection, quarterly scans, annual assessments
CDE security architecture, ASV scanning, QSA coordination
Global
APRA CPS 234
Information security controls for Australian financial institutions
Gap assessment, control implementation, board reporting, APRA audit readiness
Australia
SEBI / CERT-IN
Indian securities regulator requirements and cybersecurity advisories
Compliance mapping, 6-hour incident reporting readiness, advisory tracking
India
OJK / BI
Indonesian financial services technology and payment system requirements
ITSK compliance, GRC framework, reporting automation
Indonesia
Custom
Any regulatory guideline converted into an actionable framework
Line-by-line obligation extraction, control mapping, task assignment
Any
[04] Proof Points
Proven With Regulated Fintechs
HQ.xyz
Singapore | Multi-framework
Case 01
// Challenge
Needed SOC 2 Type II certification and MAS TRM compliance simultaneously to secure enterprise contracts.
// Result
Achieved both frameworks through a single integrated program. Significantly reduced compliance overhead.
SOC 2 Type II
MAS TRM
Helicap
Singapore | Multi-framework
Case 02
// Challenge
Operating under multiple MAS licenses with overlapping obligations. Required robust ERM and staff training for KYC/AML/CFT.
// Result
All obligations managed through one platform. Staff training tracked and auditable. Consistently audit-ready.
MAS License
ERM
KYC/AML Training
Confidential
India | Comprehensive
Case 03
// Challenge
Critical infrastructure for India's mutual fund ecosystem. AMC client requirements, SEBI guidelines, CERT-IN, AI governance, and DR architecture all required.
// Result
Demonstrates highest security standards to every AMC partner. ISO 27001 and SEBI compliance managed through a single platform.
ISO 27001
SEBI
CERT-IN
Swiss Core Banking Provider
Global | Continuous
Case 04
// Challenge
Technology embedded in banks' critical infrastructure. Must continuously demonstrate compliance with evolving customer security obligations.
// Result
Real-time compliance visibility across all obligations. Responds to 300-question security reviews in hours, not weeks.
Custom Frameworks
Continuous Monitoring
[06] Built By Insiders
Built by fintech insiders, not compliance consultants
“We did not learn fintech compliance from a textbook. We lived it -- at 3 AM when production goes down, during regulator audits, in the boardrooms where license renewals are decided.”
Amit Gupta
Founder, Konfirmity | Co-Founder, F'inTech | Ex-CTO, NIUM ($2B+)
Amit Gupta
Founder, Konfirmity | Co-Founder, F'inTech | Ex-CTO, NIUM ($2B+)
10+ years leading security and compliance through hypergrowth at fintechs processing millions of daily transactions across 40+ regulated markets. Navigated MAS, RBI, OCC, APRA, BOT, OJK, FCA, and dozens of other regulators.
// FinTech Community
ASEAN's most popular fintech CTO community -- co-founded with Ned Lowe. 100s of fintech CTOs sharing insights on regulatory complexity at scale since 2023.