AI-Native Banking Infrastructure
MidLyr is the infrastructure layer that connects your bank's existing APIs to ChatGPT, Claude, and every AI assistant — with bank-grade authentication, compliance guardrails, and cross-sell tooling built in. Live in weeks, not years.
The Channel Shift
By 2028, over half of consumer financial interactions will begin with AI. The next generation will expect secure, AI-native access.
Most banks are treating this like mobile in 2011 — scope it, staff it, ship in 18 months. The window is shorter this time.
Platform
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.
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.
How It Works
Import your existing API spec. MidLyr makes it accessible to every major AI assistant automatically.
Define authentication policies, approval flows, and cross-sell rules — all from one dashboard.
Four to six weeks from integration to production. Traffic routing, rate limiting, and failover — handled.
Case Studies
A top 50 US regional bank uses MidLyr to review 200 marketing assets a month — with automated compliance checks, intelligent routing, and an audit trail for every approval.
MidLyr flags compliance violations before they escalate, scores risk automatically, routes to the right person, and executes remediation — with full human oversight and complete audit trails.
A regional bank uses MidLyr to automatically reconcile customer transfer status across CRM, core banking, and correspondent systems — replacing manual PDF comparison with real-time audit trails.
A Top 50 US bank deployed MidLyr to give customers instant access to account balances, transaction history, and spending insights through AI assistants — without building a single new API endpoint.
A Top 100 US regional bank used MidLyr to enable customers to initiate fund transfers through AI chat. Built-in authentication and compliance checks created a complete audit trail for every transaction.
A Top 20 US digital bank implemented MidLyr to let customers file Reg E disputes directly through their AI assistant. Evidence gathering, regulatory rule application, and case tracking — all handled conversationally.
A Top 50 US bank used MidLyr's offer engine to surface targeted credit card offers during natural AI conversations. Customers applied on the spot without leaving the chat.
Results
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 AI channel see up to 3x higher conversion on product offers compared to traditional email and in-app campaigns.
Book a 30-minute demo and go live in under 6 weeks.
