For BaaS Providers

Govern AI across every fintech partner

Your partners are deploying AI, and you own the regulatory risk. MidLyr gives you visibility and control across every partner program.

Built by compliance and engineering leaders from the world's top financial services institutions

The BaaS Dilemma

Your partners ship AI. You own the risk.

You bear regulatory liability for every partner, including the AI you can't see.

Partners are deploying AI across lending, onboarding, and servicing, and you have zero real-time visibility into what those agents do.

When a partner's AI breaks fair lending or UDAAP rules, the consent order lands on your desk, not theirs.

Quarterly audits can't keep pace with partners shipping AI weekly. You need continuous, automated oversight.

OCC and FDIC expect documented third-party AI risk management. "We trust our partners" is not a compliance strategy.

01 / BaseLyr

Require partners to route AI interactions through a single integration point. Every agent, every partner, every decision. Captured automatically.

02 / CtrlLyr

Set risk thresholds per partner program. Monitor AI behavior in real time, flag violations, and intervene before they become consent orders.

03 / RegLyr

Each partner program has different regulatory exposure. RegLyr maps applicable rules to each partner's products and jurisdiction automatically.

Results

2–6 wk From Zero to Audit-Ready

Standing up AI governance takes most teams 6–12 months. Our forward-deployed engineers get you live in weeks.

100% Agent Coverage

Every AI request: authenticated, authorized, and logged. No shadow AI, no blind spots, no surprises when the examiner calls.

93% vs 21% Regulatory Accuracy

Unaided AI scores 21% on real regulatory tasks. MidLyr closes that gap, benchmarked against 5 Chief Compliance Officers on 510 real decisions.

Get real-time visibility and control across your entire partner network.