Mid-Layer Infrastructure
Your customers are asking ChatGPT about their money. Right now, you have no answer.
MidLyr connects your existing APIs to ChatGPT, Claude, and every AI assistant — and handles what sits in between: authenticating the AI agent, logging every action for examiners, routing disputes, running KYC, and turning AI conversations into a product distribution channel.
The Mid-Layer Gap
The operational layer you're paying for — but never signed up for.
Between your core systems and your customers, there's a layer of operational work that touches everything regulated — and it grows with every product you launch and every channel you add. MidLyr handles all of it in one platform.
- ✗ 5+ tools stitched together across fraud, risk, disputes, compliance, and incident management
- ✗ A project management layer and dedicated team just to coordinate across them
- ✗ 12–18 months to build in-house — and your engineers are off the product roadmap the entire time
- ✗ Every new product and channel adds another integration to maintain
- ✓ One platform for all mid-layer operations — fraud, disputes, compliance, KYC, and everything in between
- ✓ No coordination overhead — workflows connect out of the box
- ✓ 2–6 weeks to go live. MidLyr engineers handle the integration at no cost.
- ✓ Scales with you — new products and channels, same platform
Platform
Grow your customers, not your complexity.
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.
Results
The mid layer, deployed. Audit-ready from day one.
From kickoff to live AI banking. MidLyr's forward-deployed engineers handle the integration at no cost to you.
Every AI agent request authenticated, authorized, and logged. Built to meet OCC, CFPB, and FCA regulatory expectations.
Banks using MidLyr's mid-layer platform see up to 3x higher conversion on product offers compared to traditional email and in-app campaigns.