I dun quite understand, my Xiaomi phone running on stock rom failed YASNAC and Play IPC check (actually only pass the Basic Integrity) and yet have no issue running Singpass and banking apps. On another Xiaomi phone running CrDroid have the same result but have no such luck with the mentioned apps. Even stranger, Wireless@SGx apps cannot run on the former but work fine on the latter phone! BTW, bootloader is unlock in both phone.
So can someone care to explain why is this so?
You didn't mention which version and/or fork of Magisk or KSU is on each phone, as well as what methods of obfuscation you attempted.
Anyway the Safetynet API which YASNAC tests is obsolete, it's Play Integrity from now onwards.
1st phone:
None of the apps require Device Integrity, and none of them could detect Magisk/KSU, or Zygisk.
2nd phone:
Something is being detected, whether Magisk or KSU or Zygisk.
Check with Momo, Ruru, Native Detector etc