Middesk

AI agents are joining the workforce, and they’re becoming part of the teams we serve. At Middesk, we've always believed in meeting our customers where they work. For years, that meant building APIs, dashboards, and workflows that fit into how compliance, product, and operations teams verify businesses, manage risk, and ultimately drive growth. And now those teams include AI agents. Today we're releasing Middesk MCP and our GraphQL API; giving agents instant, programmatic access to business verification and identity data the moment they enter your workflow. We built Middesk for our customers. Now we’re building for their agents too. Learn more → https://hubs.ly/Q03X5k370 Follow our product releases → https://hubs.ly/Q03X5lSC0

Building great data products isn’t just about models. It’s about the people who know how to turn messy signals into something operators can trust. Yan Zeng, our Head of Data, breaks down how he’s growing the team, the tech, and the systems behind smarter onboarding, fraud detection, and risk. If you want a look inside how he thinks, and what he’s building next, start here: https://lnkd.in/g_rRHCsY And if this work speaks to you, take a look at the roles on Yan’s team: https://lnkd.in/g8i2JH6

The INFORM Consumers Act: A Quick Refresher Passed in 2023, this is what the INFORM Consumers Act mandates for marketplaces: 🟢 Collect and verify key seller details. That includes name, address, tax ID, bank account, and contact methods for sellers earning $5,000+ annually. 🟢 Keep that data accurate and up to date. Annual certification is mandatory, and marketplaces are required to suspend sellers who don’t respond or provide corrections. 🟢 Make certain information visible to buyers. For sellers earning $20,000+ annually, core business details must be disclosed unless specific exemptions apply. The spirit of the law is simple: give buyers visibility, give marketplaces accountability, and give bad actors fewer places to hide. INFORM is a reminder that marketplace trust starts with knowing exactly who you’re working with, and that begins with verified business identity.

What can 879,000 UCC filings tell us about the state of secured credit? A lot. Our latest analysis shows a market where: • Credit is active but narrow, flowing to a small subset of trusted businesses • Borrowers skew older, despite steady new business formation • Asset-heavy industries dominate lien activity • The gap between entrepreneurship and access to capital continues to widen Join our webinar on December 16 as leaders from Fiserv, Altbanq, and Middesk unpack the signals shaping business credit in 2026—and what lenders can do to close the trust gap and serve more businesses with confidence. Register now → https://hubs.ly/Q03WKJ450

Credit conditions eased, but risk signals didn’t. 🟢 UCC liens rose 3% QoQ 🟢 Construction, transportation, and healthcare drove nearly two-thirds of all filings 🟢 Service-heavy states like Pennsylvania showed rising liquidity strain In a quarter defined by steady formation and uneven credit demand, lenders need deeper visibility into entity age, documentation depth, and real operational risk. Get up to speed with the Q3 Middesk Index: https://lnkd.in/dezGMPzP

The Federal Reserve is planning to shrink its Supervision and Regulation team by nearly a third by the end of 2026. For financial companies, this shift means two things: 🟢 Regulators will focus on the highest-impact risks 🟢 More responsibility will shift back to banks and fintechs themselves When oversight thins, the margin for error narrows too. Stronger identity verification, clearer risk insights, and tighter onboarding programs become essential. Read more about the Fed’s plans in BankingDive: https://lnkd.in/gv_PvEAX

How to build trust with business customers while growing without fear: 🟢 Connect individual + business data 🟢 Root out synthetic identity fraud 🟢 Adapt compliance controls as regulations evolve Category-defining fintechs are doing all three. If you’re not there yet, now’s the moment.

What does a safer, smoother onboarding flow actually look like? Earlier this year, Jackie Wylie walked through how financial institutions can improve their business customer experience without weakening compliance. If you missed it, the full session is now available to watch on demand. You’ll learn: 🟢 How clear communication reduces drop-off 🟢 Why layered data drives better risk decisions 🟢 When adaptive workflows speed approvals Watch here: https://lnkd.in/geSyD3Kq

This year, Visa reported that application fraud has doubled since 2019. Most identity strategies still stop at the applicant, but fraudsters know a business entity is less scrutinized. Shell LLCs. Fake sole props. Lookalike businesses. If you’re not validating the business and the relationship behind the application, you’re flying blind. The fix is simple: verify the person, the business, and the connections between the two, both at onboarding and beyond. That’s how fintechs grow faster without fraud.