Day 2 exceptions resolved before they age
Pay/return decisions, image quality failures, and encoding mismatches investigated across core banking and item processing. Exception packages replace manual queues.
95%Straight-through resolution
The Operations Platform
The platform that handles what sits between your systems — disputes, lending, compliance, collections.
Cross-system investigation and reviewer-ready packages, from intake to sign-off. Built for ops teams at banks and fintechs.
Platform
One platform for the work between your systems and your decisions.
Bank-Grade AI Authentication
The hardest problem in AI-mediated banking: verifying that an AI agent is acting on behalf of a real, authorized customer. MidLyr solves this out of the box.
- AI agent identity verification
- Customer-approved action tokens
- SMS/email confirmation for sensitive ops
- Encrypted session management
Bank-Grade AI Authentication
The hardest problem in AI-mediated banking: verifying that an AI agent is acting on behalf of a real, authorized customer. MidLyr solves this out of the box.
- ✓ AI agent identity verification
- ✓ Customer-approved action tokens
- ✓ SMS/email confirmation for sensitive ops
- ✓ Encrypted session management
How It Works
Connect
MidLyr plugs into your existing API endpoints and generates an MCP server that AI assistants call directly.
Control
You set the rules, MidLyr enforces them across every request, pulling from and writing back to your systems automatically.
Resolve
Cases close with audit trails write themselves. Your team reviews only what needs their judgment — everything else is already handled.
Deep Dives
See how the platform handles your highest-stakes workflows — from lending prep to financial crimes investigation.
01 Lending Operations
Loan files prepped for underwriting with underwriter packages
MidLyr assembles the underwriter package — cross-checked, condition-mapped, and ready for review.
< 1 day Average time to underwriting
- 01Documents parsed from any format
Paystubs, W-2s, bank statements, and verifications ingested automatically.
- 02Cross-checked against loan data and conditions
Discrepancies flagged with source evidence attached.
- 03Underwriter package ready for review
Condition mapping, discrepancy summary, and missing-items checklist — delivered.
02 Disputes & Complaints
Every dispute and complaint investigated with case packages
Card disputes and regulatory complaints run on hard deadlines. MidLyr investigates each case and delivers a complete package before the clock runs out.
0 Missed regulatory deadlines
- 01Disputes and complaints captured automatically
Card network files, complaint portals, and escalations ingested and categorized.
- 02Evidence matched across systems
Transaction records, customer history, and merchant data assembled with citations.
- 03Case package ready for sign-off
Complete evidence chain, response draft, and audit trail — delivered.
03 Collections & Servicing
Agents call informed and compliant with pre-call briefs
MidLyr delivers a call-ready brief before the dialer connects — context, compliance, and strategy in one view.
< 60 sec Brief delivered before every call
- 01Full account context assembled
Payment history, contact records, and compliance flags pulled from every system.
- 02Compliance pre-checked automatically
FDCPA rules, state regulations, and contact limits validated before outreach.
- 03Call-ready brief delivered
Account snapshot, recommended approach, and compliance guardrails — ready to dial.
04 Financial Crimes
Every alert documented with evidence packages
MidLyr investigates every alert and assembles the evidence package — no sampling, no gaps at exam time.
0 Sampling risk at exam time
- 01Every alert and hit ingested
AML alerts, KYC exceptions, sanctions hits, and PEP matches captured — no sampling.
- 02Cross-system evidence consolidated
Linked entities, transaction timelines, and prior cases in one view.
- 03Draft narratives delivered
SAR narratives and due diligence memos generated for investigator sign-off.
More capabilities
The same pattern, applied everywhere
Cross-system investigation and reviewer-ready packages — wherever your mid-layer operations need them.
Asset transfer exceptions cleared with full audit trails
Mismatched registration, missing tax documents, and encoding errors investigated across custodians and core systems. Reviewer-ready resolution packages delivered to operations.
< 1 dayException resolution cycle
Every AI-assisted session authenticated, authorized, and audit-ready
Customers access accounts through ChatGPT, Claude, and other AI assistants. Your ops team sees every session in one place — identity verification, permission scoping, action logging, and anomaly flags.
100%Session visibility across AI channels
Cross-sell offers compliant before they reach the conversation
Product recommendations surface during AI conversations — but only after eligibility screening, fair lending checks, and disclosure requirements clear automatically. Your compliance team sets the rules; MidLyr enforces them on every offer.
0Offers delivered without compliance pre-check
The same mid-layer infrastructure extends to new workflows as your operations scale.
Your team runs the operations.
MidLyr runs the layer underneath.
One command to install. One SDK to integrate. Start in minutes.