Compliance, governance and operations, orchestrated
The control plane for your regulated product. Where the Integrated Finance platform orchestrates the money, MidOffice orchestrates everything around it — automating the compliance, governance, and operational work that keeps you live, safe, and audit-ready.
Trusted by
Running a regulated financial product isn't just moving money — it's proving, continuously, that you're doing it safely. MidOffice brings compliance, governance, and operations into one orchestrated layer, so your controls scale with your product instead of holding it back.
KYC, AML and screening wired into every transaction
Onboarding, monitoring, and screening run continuously — Sumsub and Onfido for KYC/KYB, ComplyAdvantage for AML and sanctions screening, Featurespace for card-fraud detection, and KYP for partner monitoring — wired into every account and transaction rather than bolted on afterwards. Every check is evaluated against your own risk rules in the execution path, so risk is caught before money moves, not flagged after.
Compliance that runs itself, between the audits
AI agents handle the routine compliance work continuously, so your team is free for the judgement calls. The Website Reviewer crawls your live marketing content for GDPR gaps, missing disclosures, and brand-rule breaches the moment they appear. The Policy Reviewer compares your terms and conditions against the latest regulatory requirements. The Name Screening Supervisor adjudicates screening matches and builds a precedent library that makes every future decision faster.
One platform, two ways to launch — across the UK and EU, taking only the licences and sponsorship you need.
For banks & licensed EMIs
Bring your own
You're regulated. Bring your licence and banking partners; Integrated Finance is your core and orchestration layer.
For fintechs, platforms & brands
Launch under sponsorship
Not regulated yet? Launch under EMI and/or BIN sponsorship, modularly and without holding a licence yourself — across the UK and EU.
Control and audit, built in across every programme
Role-based access controls govern who can do what, policies are enforced consistently across every programme, and every decision is permanently recorded with the policy version behind it — a defensible audit trail by default, whichever way you launch.
The operational surface your back office runs on
Treasury, reconciliation, case management, and full audit logs in one place — the surface your operations team runs the programme from. See every balance, movement, exception, and decision across all your accounts and partners, without building your own back office.
Supervise a whole network — without proportional headcount
For principal firms and BIN sponsors overseeing networks of sponsored fintechs, MidOffice makes supervision scalable. Automated screening, continuous monitoring, and defensible adjudication records across every tenant mean you can grow your portfolio without a linear increase in compliance resource — with reporting and audit data segmented per programme, end to end.
The regulatory long tail, handled by default
Launching a regulated product means a long tail of scheme- and regulator-driven work most teams only discover in UAT — and MidOffice has already built it: white-labelled Open Banking APIs (UK & EEA), Confirmation of Payee and Verification of Payee, Mastercard transaction enrichment, and contained PCI scope. Every one a go-live blocker, handled before you hit it.
See how MidOffice keeps regulated products audit-ready
How Silverbird launched cross-border banking in under 4 months
With Integrated Finance and Currencycloud, Silverbird issued client bank accounts and enabled FX payments for an underserved market — cutting development costs by 85%.
