- Request
- Client asked to speak to an adviser about SGD corporate bonds. Preferred: weekday evenings.
- Learning completed
- Tier 1 Foundation (9 of 9), check passed. Tier 2 lessons 10 and 11 in progress.
- Shared by the client
- Three saved bonds; one question in the client's own words.
- Not included
- No suitability view, no risk score, no ranking, no recommendation.
For private banks, EAMs, IFAs and wealth platforms
Your clients arrive already fluent.
Client learning under your brand. Advisers start at minute ten, with a consented brief and an exportable record.
- Tenant-scoped, white-label
- Never advice, never suitability
- Client-initiated introductions only
- Every output sourced and logged
Illustrative brief. Field set is configured per tenant.
The cost of teaching
Private banks still teach bonds one client at a time.
A relationship manager who inherits a client, or a client's heir, spends the first several meetings on vocabulary. That time is billed at senior salaries, recorded nowhere, and repeated for every client and every RM turnover.
The next generation wants to read on their phone, in their own language, and arrive at the meeting already fluent. The institution that meets them there keeps the relationship.
The platform
One learning layer for your clients. One evidence layer for your advisers and compliance.
A tenant on BondGuru's infrastructure, under your brand, your bond shelf and your disclosures. Nothing crosses tenant boundaries.
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01
Learn, on your brandCurrent prototype, extended per tenant
The thirty-lesson curriculum in your colours, in five languages. Each lesson is versioned, and every completion is recorded against the version the client actually read.
Your content team can add tenant lessons: your onboarding, your shelf in plain language, your disclosures.
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02
The consented client briefPrototype journey; adviser view planned
When a client asks to speak to an adviser, the adviser receives what the client chose to share: lessons completed, bonds saved, their own question, preferred time. Every field is opt-in on the client side and configurable on yours.
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03
Bond explainer and similarityPlanned for production
Plain-language pages for the bonds on your shelf, generated from your reference data in the curriculum's vocabulary, so the lesson and the bond page use the same words. A similarity view shows comparable bonds side by side, described, never recommended.
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04
Adviser learning and CPDCurriculum ready; IBF-STS filing planned Q1 2027
The same curriculum at practitioner depth for junior RMs and support staff, with completion records your L&D function can rely on. An IBF Standards Training Scheme filing is planned; until recognition is granted, the course is supplementary learning only.
The bridge, from your side
Introductions arrive because the client asked.
The client chose your institution, knows the vocabulary, and consented to everything you are reading. Both sides see the same structure.
What your adviser receives
- A client who initiated. They asked to speak to someone licensed, and chose you from a full alphabetical panel.
- A consented brief. Lessons completed, bonds saved and the client's own question, each shared deliberately, with the introducer disclosure shown first.
- A shared vocabulary. The first meeting starts with the client's question, not with what a coupon is.
- A record. What was read, which version, when, and what was shared — exportable to your systems.
What BondGuru never does
- Match, rank or route. No best-fit adviser, no scored prospects, no prioritised list. The client picks from the complete panel.
- Advise, assess suitability or recommend. No product is recommended to any client, ever. Advice is yours, under your licence.
- Touch client money. No funds, no orders, no transactions. Onboarding and execution happen with you.
- Share what the client withheld. Consent is per field. If the client did not share it, it is not in the brief.
The boundary, in one place. BondGuru operates within the introducer exemption in regulation 31 of the Financial Advisers Regulations: the client initiates, the panel is shown in full, the fee arrangement is disclosed to the client at the point of introduction in the same words you see in the agreement, and the regulated conversation stays with your licensed institution.
See exactly what the learner seesGovernance
Built so your compliance team can say yes without taking our word for it.
Every generated explanation follows the same path, and every step leaves a record you can export.
- STEP 1Grounded sourceOnly the curriculum and your approved reference data. No open-web retrieval.
- STEP 2Constrained generationLow-variance model settings and fixed templates. The same input produces the same explanation.
- STEP 3Deterministic filterRule-based screening strips anything reading as a recommendation, suitability view or forecast.
- STEP 4Provenance logSource, version, model settings, filter result and timestamp are stored with every output.
- STEP 5Exportable recordCompletions, consents and outputs exportable to you, retained to your record-keeping requirement.
Who it serves inside the institution
Four functions, one record.
Head of Private Wealth
Clients and heirs arrive fluent. Adviser hours go to advice and revenue-generating activity, not education.
Chief Operating Officer
Invisible teaching time becomes measurable, then reducible. One tenant, one bill, no new vendor per language.
Chief Risk and Compliance
A dated, versioned record of what each client read and consented to, with no advice in the chain to defend.
Learning and Development
Practitioner-depth learning for junior RMs, with completion evidence and an accreditation route that is planned rather than promised.
Pilot
A bounded pilot, with the measures agreed before it starts.
One adviser cohort, one client segment, a fixed period, measures written down on day one. Pilot fees are credited against year one on conversion. Nothing is announced unless you choose to announce it.
What a pilot measures
- Tier 1 completion and check pass rates, by language
- Adviser hours on bond basics, before and during
- Client-initiated introductions, and their quality as your advisers judge it
- Whether compliance accepts the exported record as evidence
- Client feedback on comprehension, in their own words
What a pilot does not measure or claim
- Sales, conversion to product, or revenue attributed to the app
- Suitability, risk appetite or any judgement about individual clients
- Regulatory approval or endorsement of any kind
- Any figure we cannot show you the source for
Start with a conversation, not a contract.
Forty-five minutes with the founder: the prototype, the governance path, the pilot format. If it is not a fit, you will know quickly.
Who you would be working with
Founder-led. Partner-built.
“Twenty-five years of building and running fixed-income books taught me two things: clients decide better when they understand the instrument, and institutions trust records more than promises. BondGuru is built around both.”
InterAktiv Technology — development and integration partner. Singapore-owned, established in 2003, led by Teng Chuan Hiang, the first certified Salesforce consultant in ASEAN, with enterprise delivery for institutions including Citibank and Singapore Airlines.