BondGuru Vol 1 · Singapore
Bond education, quietly world-class.
Bonds, in plain words.
A mobile bond-education app teaching the next generation of investors in Asia how bonds actually work — in their own language, at their own pace, without the marketing gloss. Built with the governance a licensed partner would expect on day one.
Why bonds, why now.
A generation is inheriting trillions — and almost none of them were taught how the largest asset class actually works.
The global bond market is larger than the global equity market, yet bond literacy among younger investors sits far behind. Existing education is either institutional and jargon-heavy, or retail and dangerously oversimplified. BondGuru sits in the honest middle — plain-language, market-native, multi-lingual, and built to the same governance standard a private bank would apply to its own content.
The Bond Guide.
Vol 1 is a 30-lesson curriculum delivered through the BondGuru mobile app — released as curated editorial issues, one hero lesson at a time, personal to the reader. No cards, no gamification, no confetti. Read it like a periodical, at your own pace.
Issue feature
What actually happens when a coupon pays.
A bond isn't a mystery box. It's a schedule of payments, a promise, and a price. This issue walks through a single coupon payment on a real bond, end to end — cash flow, day count, settlement, and what it means when the price moves before you touch a screen.
Preview of Volume 1. Content ships in English at launch; Simplified Chinese, Traditional Chinese, Bahasa Melayu, and Bahasa Indonesia roll out through Vol 1.
Governance-first by design.
Semi-automated content grounding using neutral public knowledge sources, with deterministic fallback ladders, multi-locale generation, and full Wikipedia-revision-level provenance audit trail — designed to align with MAS FAA principles.
Every issuer description, every abstract, every locale variant carries a provenance record: source, revision hash, generation model, compliance filter pass, editor sign-off. Content is auditable to the field level.
Neutral public sources.
Wikipedia revisions, government open data, and regulator publications are the grounding truth. No thin LLM wrappers. Every output cites its source and revision.
Deterministic filters.
A regex- and lexicon-driven compliance layer blocks return promises, recommendations, and advisor language before any content reaches a reader. Editor review is exception-driven, not default.
Uniform user experience.
Every field has a deterministic fallback ladder ending in a non-blank structural value. Readers never see "coming soon" or missing data. Uniformity is a design constraint, not a nice-to-have.
Audit trail to the field.
Nine-field provenance record per generated output: source URL, revision hash, model, temperature, prompt hash, compliance pass, editor status, locale, and timestamp. Grant reviewers and DD partners can inspect any answer.
Built by a fixed-income practitioner.
Patrick joined the Scotiabank group in 1998 and stayed until 2016, working across structured credit, Asian dollar bonds, and G3 credit markets — the cross-border credit judgment that now anchors BondGuru's editorial voice.
Between 2016 and 2021 he stepped outside banking: founding Handichoice, a Singapore e-commerce retailer (2017–2019), then serving as CEO of Zhongtai Asset Management Singapore (2019–2021). The founder-operator years and the regulated-firm leadership seat both feed directly into how BondGuru is being built — ship discipline on one side, governance instinct on the other.
Since 2021, at Credit Suisse and its successor UBS, Patrick has run fixed-income portfolio management for high-net-worth individuals, corporate treasuries, and non-profit endowments — a day job that includes answering the questions his HNW clients and their IFAs and relationship managers actually ask. Many of those questions, in plainer form, are the same ones retail investors across Asia are asking without a trusted place to turn. BondGuru is that place.
Built for banks, IFAs, and wealth platforms.
BondGuru is designed from day one as B2B2C infrastructure — a bond-education surface a licensed institution can adopt under its own brand, with the governance and audit trail a private bank would apply to its own content.
We are pre-partnership. No logos, no implied deals. Seeking anchor partners in Singapore ahead of Vol 1 launch.
For banks and wealth platforms.
BondGuru's architecture is designed so a licensed institution — bank, IFA network, wealth manager — can deploy it under their own brand, with per-tenant analytics and full audit trail. Actively seeking anchor partners.
Governance as the innovation.
The audit trail, editor RBAC, per-locale content versioning, and compliance-filter architecture are a novel pattern for retail financial education at scale. Designed to align with MAS FAA principles.
Grant and accelerator lanes.
Currently engaged with a Singapore fintech accelerator. Targeting the MAS Global FinTech Hackcelerator 2026 (Julius Baer wealth-management problem statement, submission 14 Aug 2026).
Two ways to reach us — one inbox, quietly attended.
BondGuru is in closed beta ahead of the Vol 1 launch. If you'd like early access, or if you represent a private bank, IFA, or media publication, get in touch directly.
For readers
Join the closed-beta waitlist.
Retail and HNW readers, drop us a note with your preferred reading language and a sentence on what you'd like to learn first. We're accepting a small first cohort ahead of Vol 1 launch.
patrick.wong@bondguru.app →For partners & press
Partnership, media, and licensing.
Banks, IFAs, media publications, and grant bodies — reach out directly. We reply within one business day.
patrick.wong@bondguru.app →