Middesk

Middesk

Products offered via RiskOS™

Product Name Description RiskOS™ Use Cases
Verify Middesk’s business verification solution helps B2B companies in regulated industries streamline and scale their customer/merchant verification process. Middesk uses primary data sources such as the IRS, Secretaries of State and USPS to automate KYB requirements and processes for customers in financial services such as banks, lenders and fintechs. US Only. KYB, Business onboarding, Compliance
Tax Lien Search (Business) Automatically search for state and federal, tax liens on the business. Credit risk assessment, Lending, Due diligence
Tax Lien Search (People) Automatically search for state and federal, tax liens on a person. Credit risk assessment, Lending, Due diligence
Bankruptcy Search (Business) Middesk leverages real time data on bankruptcies that occur across the country. From the location of the court to the trustee that is responsible for the bankruptcy proceedings, Middesk keeps a pulse on every bankruptcy and their respective updates. Risk evaluation, Underwriting, Compliance
Bankruptcy Search (People) Middesk leverages real time data on bankruptcies that occur across the country. From the location of the court to the trustee that is responsible for the bankruptcy proceedings, Middesk keeps a pulse on every bankruptcy and their respective updates. Risk evaluation, Underwriting, Compliance
Industry Classification Middesk's Industry Classification (IC) product is an enterprise-grade, scalable solution for discovering what every business makes and sells. KYB, Business onboarding, Compliance
SOS Documents Automatically retrieve Articles of Incorporation and/or Certificate of Good Standing associated with each business from the Secretary of State (SOS). KYB, Business onboarding, Compliance

Example API responses

Verify

{
  "object": "business",
  "id": "32e7fb2c-60ca-4ddc-add2-694475b73f2b",
  "name": "Middesk Inc. ",
  "created_at": "2023-01-21T06:43:23.313Z",
  "updated_at": "2023-01-21T06:44:07.184Z",
  "status": "approved",
  "addresses": [
    {
      "object": "address",
      "address_line1": "2180 Bryant St Ste 210",
      "address_line2": null,
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94110-2141",
      "full_address": "2180 Bryant St Ste 210, San Francisco, CA 94110-2141",
      "latitude": 37.75938,
      "longitude": -122.40994,
      "created_at": "2019-01-30T23:49:01.100Z",
      "updated_at": "2019-01-30T23:49:01.100Z"
    }
  ],
  "orders": [
    {
      "object": "order",
      "id": "12e97a44-e4ca-498f-912a-e6c72f632807",
      "completed_at": "2023-07-18T19:47:12.392Z",
      "created_at": "2023-07-18T19:47:09.886Z",
      "package": "business_verification_verify",
      "requester": {
        "name": "Jane Doe"
      },
      "status": "completed",
      "subproducts": [],
      "updated_at": "2023-07-18T19:47:12.396Z"
    },
    {
      "object": "order",
      "id": "1db81bfc-f204-5e4d-8238-fea683bd071c",
      "completed_at": "2023-07-18T19:47:11.765Z",
      "created_at": "2023-07-18T19:47:09.850Z",
      "package": "website",
      "requester": {
        "name": "Jane Doe"
      },
      "status": "completed",
      "subproducts": [],
      "updated_at": "2023-07-18T19:47:11.769Z"
    }
  ],
  "people": [
    {
      "object": "person",
      "name": "John Doe",
      "titles": [
        {
          "object": "person_title",
          "title": "president"
        },
        {
          "object": "person_titles",
          "title": "registered agent"
        }
      ],
      "sources": [
        {
          "id": "5d1308ad-0d33-472d-8e61-ed223649d074",
          "type": "registration",
          "metadata": {
            "state": "CA",
            "status": "active",
            "file_number": "C4221590"
          }
        }
      ]
    }
  ],
  "policy_results": [
    {
      "object": "policy_result",
      "id": "0af5caf6-a8e4-431c-8d0a-4618ae8a2054",
      "result": "approved",
      "business_id": "32e7fb2c-60ca-4ddc-add2-694475b73f2b",
      "created_at": "2023-01-21T22:23:35.432Z",
      "matched": true,
      "name": "Approval Policy",
      "details": {
        "insight_state": {
          "name": {
            "match": true,
            "status": "verified"
          },
          "address_verification": {
            "match": true,
            "status": "verified"
          }
        },
        "mismatched_rules": []
      },
      "type_of": "AUTO_APPROVAL",
      "policy_action_results": [
        {
          "object": "policy_action_result",
          "id": "936d73d6-aa5c-44bc-86b9-d98b255b1abd",
          "details": null,
          "executed": true,
          "policy_action": {
            "id": "c232ad85-9a70-4292-baea-1935fcb6e4a1d",
            "action_type": "auto_decision",
            "options": {
              "decision": "approve"
            },
            "policy_version_id": "7b1e539f-b622-1245-ba1b-5fd4c1436e0c"
          }
        }
      ]
    }
  ],
  "tin": {
    "object": "tin",
    "updated_at": "2023-01-21T06:43:31.201Z",
    "name": "Middesk Inc. ",
    "tin": "37-1883180",
    "mismatch": false,
    "unknown": false,
    "verified": true
  },
  "formation": {
    "object": "formation",
    "entity_type": "CORPORATION",
    "formation_date": "2018-03-05",
    "formation_state": "DE",
    "created_at": "2023-01-30T23:49:01.164Z",
    "updated_at": "2023-01-30T23:49:01.217Z"
  },
  "website": {
    "object": "website",
    "domain": {
      "domain": "middesk.com",
      "creation_date": "2018-11-20T07:02:53.000Z",
      "expiration_date": "2019-11-20T07:02:53.000Z",
      "registrar": {}
    },
    "pages": [
      {
        "category": "home",
        "url": "https://www.middesk.com/"
      }
    ],
    "entities": [
      {
        "text": "Middesk"
      }
    ],
    "parked": false
  },
  "watchlist": {
    "object": "watchlist",
    "lists": [
      {
        "title": "Denied Persons List (DPL) - Bureau of Industry and Security",
        "results": [
        ],
        "source_last_updated": "2019-01-03T18:03:07.761+00:00"
      }
    ]
  },
  "review": {
    "object": "review",
    "id": "0eb9094c-33fc-49eb-b5a5-18101d948857",
    "created_at": "2020-03-06 19:20:29 UTC",
    "updated_at": "2020-03-06 19:23:24 UTC",
    "completed_at": "2020-03-06 19:23:24 UTC",
    "tasks": [
      {
        "category": "tin",
        "key": "tin",
        "label": "TIN Match",
        "message": "The IRS does not have a record for the submitted TIN and Business Name combination",
        "status": "failure",
        "sub_label": "Not Found"
      },
      {
        "category": "name",
        "key": "name",
        "label": "Business Name",
        "message": "Match identified to the submitted Business Name",
        "status": "success",
        "sub_label": "Verified"
      },
      {
        "category": "watchlist",
        "key": "watchlist",
        "label": "Watchlist",
        "message": "No Watchlist hits were identified",
        "status": "success",
        "sub_label": "No Hits"
      }
    ]
  },
  "registrations": [
    {
      "object": "registration",
      "id": "53a101f2-d671-4c0a-89b6-6c069e5a3857",
      "name": "MIDDESK, INC.",
      "status": "active",
      "status_details": null,
      "sub_status": null,
      "jurisdiction": "FOREIGN",
      "entity_type": "CORPORATION",
      "file_number": "C4221590",
      "addresses": [
        "2180 BRYANT ST UNIT 210 SAN FRANCISCO CA 94110"
      ],
      "registration_date": "2018-12-21",
      "state": "CA",
      "source": "https://businesssearch.sos.ca.gov/CBS"
    },
    {
      "object": "registration",
      "id": "53a101f2-d671-4c0a-89b6-6c069e5a3864",
      "name": "MIDDESK, INC.",
      "status": "active",
      "status_details": null,
      "sub_status": null,
      "jurisdiction": "DOMESTIC",
      "entity_type": "CORPORATION",
      "file_number": "6782397",
      "registration_date": "2018-03-05",
      "state": "DE",
      "source": "https://icis.corp.delaware.gov"
    }
  ],
  "subscription": {
    "object": "subscription",
    "id": "2b58c9a9-8279-4e85-bcf9-60dc2a0241cb",
    "created_at": "2023-01-21T21:05:52.100Z",
    "event_types": [
      {
        "type": "bankruptcy.created",
        "status": "active"
      }
    ]
  }
}

Lien Search

{
  "object": "lien",
  "id": "2c6bcf81-21c8-4f71-b6c0-1e738338dadf",
  "business_id": "e26a3190-025b-013c-f5b5-5aa588cff64e",
  "type": "state",
  "state": "CA",
  "status": "closed",
  "debtors": [{ "name": "State of California" }],
  "lapse_date": "2026-04-01",
  "file_number": "202106034215811",
  "filing_date": "2021-04-01",
  "updated_date": null,
  "secured_parties": [{
    "name": "C T CORPORATION SYSTEM, AS REPRESENTATIVE",
    "addresses": [{
      "address_line1": "330 N Brand Blvd",
      "address_line2": "Suite 700",
      "city": "Glendale, CA",
      "state": "CA",
      "postal_code": "91203",
      "full_address": "330 N Brand Blvd, Suite 700, Glendale, CA 91203"
    }]
  }],
  "negative_pledge": false,
  "source": "",
  "liability_cents": null,
  "documents": [{
    "object": "document",
    "id": "294227b2-0144-4392-8b6a-dcb152815f83",
    "document_type": "Initial filing",
    "filename": "3389871_Initial_Filing_2019-01-07",
    "content_type": "application/pdf",
    "size": 62365,
    "download_url": "https://storage.googleapis.com/...",
    "created_at": "2019-11-01T02:10:35.360Z",
    "filing_date": "2019-01-07T00:00:00.000Z"
  }],
  "collateral": "All assets",
  "collateral_type": "Blanket"
}

Industry Classification

{
  "object": "industry_classification",
  "id": "11515c70-5359-4ff5-a810-2063b3a26783",
  "status": "completed",
  "categories": [
    {
      "name": "Professional, Scientific or Technical Services",
      "sector": "PROFESSIONAL_SCIENTIFIC_TECHNICAL_SERVICES",
      "category": "PROFESSIONAL_SERVICES",
      "score": 0.89604183733463287,
      "high_risk": false,
      "naics_codes": ["54"],
      "sic_codes": ["73","81","87"]
    },
    {
      "name": "Accounting, Tax Preparation, Bookkeeping, and Payroll Services",
      "sector": "PROFESSIONAL_SCIENTIFIC_TECHNICAL_SERVICES",
      "category": "ACCOUNTING_SVCS",
      "score": 0.84254183902144128,
      "high_risk": false,
      "naics_codes": ["5412"],
      "sic_codes": ["7291","8721"]
    },
    {
      "name": "Information",
      "sector": "INFORMATION",
      "category": "INFORMATION",
      "score": 0.81038789733463287,
      "high_risk": false,
      "naics_codes": ["51"],
      "sic_codes": ["27","48","73","78","82","89"]
    },
    {
      "name": "Software Publishers",
      "sector": "INFORMATION",
      "category": "SOFTWARE_PUBLISHERS",
      "score": 0.71428778733424187,
      "high_risk": false,
      "naics_codes": ["5132"],
      "sic_codes": ["7372"]
    },
    {
      "name": "Other Non-Prohibited",
      "sector": null,
      "category": "OTHER_NON_PROHIBITED",
      "score": 0.65029388771531674,
      "high_risk": false,
      "naics_codes": [],
      "sic_codes": []
    }
  ],
  "created_at": "2023-03-07T23:08:11.893Z",
  "completed_at": "2023-03-07T23:08:12.305Z",
  "website": {
    "url": "https://www.middesk.com",
    "status": "online",
    "parked": false
  }
}

SOS Documents

{
  "object": "document",
  "id": "075a80e9-6815-41c0-935b-58a7e54405e4",
  "document_type": "Initial_filing",
  "filename": "LC001698868_Initial_Filing_2020-04-06",
  "content_type": "application/pdf",
  "size": 196972,
  "download_url": "https://storage.googleapis.com/middesk/.....",
  "created_at": "2024-03-25T21:58:22.877Z",
  "source": {
    "type": "registration",
    "id": "ba3e0cde-0edc-4689-9526-08f92cddfe3c",
    "metadata": {
      "state": "MO",
      "status": "active"
    }
  },
  "filing_date": "2020-04-08T00:00:00.000Z",
  "metadata": {}
}

Data dictionary

Verify

Field Type Description
id String Unique identifier for the business record.
external_id String External identifier supplied by the client.
name String Business name.
created_at String Timestamp when the record was created.
updated_at String Timestamp when the record was last updated.
status String Lifecycle status for the business.
tags Array List of user-defined tags.
requester Object Information about who requested the retrieval.
requester.id String Requester ID.
requester.type String Requester type.
requester.name String Requester name.
requester.requested_at String Timestamp of the request.
assignee_id String User ID currently assigned to the business (if any).
review Object Review metadata and task outcomes.
review.id String Review ID.
review.created_at String Timestamp when the review was created.
review.updated_at String Timestamp when the review was last updated.
review.completed_at String Timestamp when the review was completed.
review.tasks Array Collection of verification/assessment tasks.
review.tasks[].category String Task category (e.g., tin, name, address).
review.tasks[].key String Programmatic key for the task.
review.tasks[].label String Human-readable label for the task.
review.tasks[].message String Message or explanation for the task result.
review.tasks[].name String Name associated with the task (if applicable).
review.tasks[].status String Status of the task.
review.tasks[].sub_label String Additional status detail.
review.tasks[].assignee Object User assigned to the task.
review.tasks[].assignee.id String Assignee ID.
review.tasks[].assignee.name String Assignee name.
review.tasks[].assignee.email String Assignee email.
review.tasks[].assignee.roles Array of strings Roles assigned to the user.
review.tasks[].assignee.image_url String Profile image URL.
review.tasks[].assignee.last_login_at String Last login timestamp.
review.tasks[].assignee.settings Object User settings (object).
settings Object Business-level settings.
settings.business_batch_id String Identifier for the related business batch.
names Array of objects All names associated with the business.
names[].id String Name record ID.
names[].name String Business name value.
names[].submitted Boolean Whether the name was user-submitted. Defaults to true.
names[].type String Name type.
names[].business_id String Associated business ID.
addresses Array of objects Addresses associated with the business.
addresses[].address_line1 String Address line 1.
addresses[].address_line2 String Address line 2.
addresses[].city String City.
addresses[].state String State/Region.
addresses[].postal_code String Postal/ZIP code.
addresses[].full_address String Concatenated formatted address.
addresses[].submitted Boolean Whether the address was user-submitted. Defaults to true.
addresses[].id String Address record ID.
addresses[].latitude Number Latitude (defaults to 0).
addresses[].longitude Number Longitude (defaults to 0).
addresses[].property_type String Property type.
addresses[].deliverable String Deliverability result.
addresses[].deliverability_analysis String Deliverability analysis details.
addresses[].street_view_available String Street View availability flag.
addresses[].labels Array Associated labels.
addresses[].created_at String Created timestamp.
addresses[].updated_at String Updated timestamp.
addresses[].registered_agent_name String Registered agent name (if applicable).
addresses[].cmra String CMRA indicator.
addresses[].business_id String Associated business ID.
people Array of objects People associated with the business.
people[].name String Person’s full name.
people[].submitted Boolean Whether the person was user-submitted. Defaults to true.
people[].business_id String Associated business ID.
people[].titles Array of objects Titles held by the person.
people[].titles[].title String Title/role.
people_bankruptcies Array List of bankruptcy records related to people (if any).
orders Array of objects Product/package orders associated with this business.
orders[].id String Order ID.
orders[].completed_at String Completion timestamp.
orders[].created_at String Creation timestamp.
orders[].product String Ordered product.
orders[].package String Ordered package.
orders[].requester Object Requester info at the time of order.
orders[].requester.name String Requester name.
orders[].status String Order status.
orders[].subproducts Array Subproducts included in the order.
orders[].updated_at String Last update timestamp.
orders[].actions Array Actions taken on the order.
submitted Object Submitted input values for the business.
submitted.name String Submitted business name.
submitted.entity_type String Submitted entity type.
submitted.addresses Array of objects Submitted addresses.
submitted.addresses[].city String City.
submitted.addresses[].state String State.
submitted.addresses[].postal_code String Postal/ZIP code.
submitted.addresses[].address_line1 String Address line 1.
submitted.addresses[].address_line2 String Address line 2.
submitted.orders Array of objects Submitted order details.
submitted.orders[].package String Requested package.
submitted.people Array of objects Submitted people.
submitted.people[].name String Person’s full name.
policy_results Array of objects Results from policy evaluations.
policy_results[].id String Policy result ID.
policy_results[].result String Overall policy result.
policy_results[].business_id String Associated business ID.
policy_results[].created_at String Creation timestamp.
policy_results[].matched Boolean Whether the policy matched; defaults to true.
policy_results[].name String Policy name.
policy_results[].details Object Details payload for the policy result.
policy_results[].insight_state Object Insight-level state/details.
policy_results[].insight_state.name Object Name insight details.
policy_results[].insight_state.name.match Boolean Whether the name matches; defaults to true.
policy_results[].insight_state.name.status String Name insight status.
policy_results[].insight_state.address_verification Object Address verification insight details.
policy_results[].insight_state.address_verification.match Boolean Whether the address matches; defaults to true.
policy_results[].insight_state.address_verification.status String Address verification status.
policy_results[].insight_state.address_verification.mismatched_rules Array List of rules that did not match.
policy_results[].insight_state.type_of String Insight type indicator.
policy_action_results Array of objects Actions executed as part of policy evaluation.
policy_action_results[].id String Policy action result ID.
policy_action_results[].details String Details or notes.
policy_action_results[].executed Boolean Whether the action executed; defaults to true.
policy_action_results[].policy_action Object Policy action metadata.
policy_action_results[].policy_action.id String Policy action ID.
policy_action_results[].policy_action.action_type String Type of action executed.
policy_action_results[].policy_action.options Object Action options/settings.
policy_action_results[].decision String Decision recorded by the action.
policy_action_results[].policy_version_id String Identifier of the policy version used.