MidLyr connects to your payment systems, CRMs, and account platforms to monitor customer behavior in real time. Transaction patterns, login frequency, and payment history merge into one behavioral profile, so you spot at-risk accounts before they go delinquent.
System monitoring surfaces accounts showing stress before they miss a payment: declining balances, reduced engagement, payment velocity changes. Accounts are flagged and prioritized by risk before they enter the collection queue.
Declining balances, reduced login frequency, and changing payment patterns detected before accounts miss a single payment.
Accounts scored and ranked by delinquency risk. High-priority accounts reach your team first, not last.
Every outreach (call, letter, email, or text) gets regulatory checks applied automatically. Reg F frequency limits, time windows, cease-and-desist status, TCPA consent, and SCRA protections are enforced before contact. Compliant collections, no manual checks.
Every resolution includes root cause analysis across the customer lifecycle. Payment arrangements, settlements, and account status changes are deployed immediately and synchronized across all connected systems. No manual reconciliation.
Every delinquency traced back through the full customer journey: payment history, communication log, and behavioral shifts.
Payment plans, settlements, and status changes pushed to every connected system simultaneously. No manual entry, no drift.
Every compliance check, outreach attempt, and disposition is captured in an immutable audit trail. When regulators ask, the complete record is already there.
Live Workflows
Every alert investigated. Every package exam-ready.
No sampling, no gaps. Every alert gets a full investigation and a complete evidence package, so when examiners ask, the file is already there.
Income verified, conditions mapped, documents cross-checked. The underwriter package shows up ready for decisioning, not chasing.
Catches mismatched registrations, missing tax docs, and encoding errors across custodians. Delivers resolution packages ready for sign-off.
Your customers are already using ChatGPT and Claude to access their accounts. Every session logged in one place: identity, permissions, actions, and anomaly flags.
Security & Privacy
LLMs run exclusively on MidLyr infrastructure. Your data never leaves.
Deploy in your own infrastructure for full data sovereignty.
See MidLyr enforce FDCPA, Reg F, TCPA, and SCRA on every contact.