{
  "id": "banking/singpass-digital-signature",
  "signature": "AI tells a foreign business owner in Singapore to use SingPass for corporate bank account opening, ignoring ACRA registration and COR requirements",
  "signature_zh": "AI告诉新加坡的外国企业主使用SingPass开设公司银行账户，忽略ACRA注册和COR要求",
  "regex": "SingPass.*corporate.*denied|CorpPass.*required.*account",
  "domain": "banking",
  "category": "auth_error",
  "subcategory": null,
  "root_cause": "SingPass is for individual Singapore residents only; corporate bank account opening requires ACRA-registered entity with a Certificate of Registration (COR) and authorization via CorpPass, not SingPass, as per MAS guidelines.",
  "root_cause_type": "generic",
  "root_cause_zh": "SingPass仅限新加坡居民个人使用；公司银行账户开立需要ACRA注册实体和注册证书（COR），并通过CorpPass授权，而非SingPass，依据新加坡金融管理局指南。",
  "versions": [
    {
      "version": "SingPass v2.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "CorpPass v3.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ACRA BizFile+ 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Using SingPass to authenticate for corporate account application",
      "why_fails": "Bank portal checks entity type; SingPass returns 'RESIDENT_INDIVIDUAL_ONLY' error and blocks application",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "Registering company under a local director's SingPass without CorpPass",
      "why_fails": "MAS requires CorpPass for corporate authorization; bank rejects application until CorpPass is linked",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    },
    {
      "action": "Attempting to use foreign digital signature (e.g., MyInfo) for corporate verification",
      "why_fails": "ACRA only accepts CorpPass for corporate filings; foreign signatures are invalid",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Register for CorpPass via ACRA BizFile+: go to https://www.bizfile.gov.sg, select 'Register for CorpPass', submit company UEN and director details; then use CorpPass credentials to authorize bank account opening",
      "success_rate": 0.91,
      "how": "Register for CorpPass via ACRA BizFile+: go to https://www.bizfile.gov.sg, select 'Register for CorpPass', submit company UEN and director details; then use CorpPass credentials to authorize bank account opening",
      "condition": "",
      "sources": []
    },
    {
      "action": "Appoint a local corporate secretary who already has CorpPass access; they can authorize the bank application on behalf of the foreign director",
      "success_rate": 0.85,
      "how": "Appoint a local corporate secretary who already has CorpPass access; they can authorize the bank application on behalf of the foreign director",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use DBS IDEAL or OCBC Velocity for corporate banking; these platforms support CorpPass integration and guide foreign directors through authorization",
      "success_rate": 0.8,
      "how": "Use DBS IDEAL or OCBC Velocity for corporate banking; these platforms support CorpPass integration and guide foreign directors through authorization",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Register for CorpPass via ACRA BizFile+: go to https://www.bizfile.gov.sg, select 'Register for CorpPass', submit company UEN and director details; then use CorpPass credentials to authorize bank account opening",
    "Appoint a local corporate secretary who already has CorpPass access; they can authorize the bank application on behalf of the foreign director",
    "Use DBS IDEAL or OCBC Velocity for corporate banking; these platforms support CorpPass integration and guide foreign directors through authorization"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.corppass.gov.sg/",
  "official_doc_section": null,
  "error_code": "MAS_CORPPASS_REQUIRED",
  "verification_tier": "ai_generated",
  "confidence": 0.86,
  "fix_success_rate": 0.91,
  "resolvable": "true",
  "first_seen": "2024-07-12",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}