Middesk

Status: Integrated
Website: https://www.middesk.com/
Credentials: Through RiskOS™ (Reseller)
Description:

Middesk is a U.S.-focused business identity and verification provider that helps financial institutions, fintechs, insurers, and B2B platforms streamline Know Your Business (KYB) compliance and reduce fraud risk. Through API-based access to authoritative data sources such as Secretary of State filings, professional licenses, watchlists, and tax information, Middesk enables customers to quickly verify a company’s legitimacy, confirm beneficial ownership, and monitor ongoing business risk..

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

"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 of objects	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.

Lien Search

Field	Type	Description
type	string	The type of lien ("ucc", "state", or "federal").
state	string	The state in which the lien was filed.
status	string	The status of the lien. One of open, closed, or unknown.
debtors	Debtor[]	The name(s) of the parties who owe money.
secured_parties	SecuredParty[]	The parties and available addresses to whom money is owed.
filing_date	timestamp	The date on which the lien was filed.
lapse_date	timestamp	The date on which the lien is set to expire.
updated_date	timestamp	The date on which the filing was updated, if applicable.
negative_pledge	boolean	Whether or not the debtor(s) are able to extend a pledge of assets to another lender besides the secured party.
source	string	Link to primary lien data.
liability_cents	integer	The total liability in cents (available for federal tax liens).
documents	Document[]	The UCC documents associated with this lien. The document_type for a UCC1 is "Initial Filing". If Search to Reflect is enabled, the UCC-1 will also show up in this object.
collateral	string	A description of the lien collateral.
collateral_type	enum ("Blanket","Collateral","Unknown")	"Blanket" if the collateral represents all assets, "Collateral" if it covers specific collateral, or "Unknown" if undetermined.
secured_parties[].addresses	Address	Addresses associated with the secured party.
secured_parties[].name	string	The name of the secured party.
secured_parties[].email	string	The email address of the secured party.
debtors[].addresses	Address	Address associated with the debtor.
debtors[].name	string	The name of the debtor.

Industry Classification

Field	Type	Description
industry_classification	object	Industry classification result object.
industry_classification.object	string	Object type identifier. Always `"industry_classification"`.
industry_classification.id	string (UUID)	Unique identifier for the industry classification record.
industry_classification.status	string	Status of the classification job (e.g., `completed`).
industry_classification.created_at	string (ISO 8601 datetime)	Timestamp when the classification request was created.
industry_classification.completed_at	string (ISO 8601 datetime)	Timestamp when the classification was completed.
industry_classification.categories	array of objects	List of predicted industry categories and associated details.
industry_classification.categories[].name	string	Human-readable industry category name (e.g., "Professional, Scientific or Technical Services").
industry_classification.categories[].sector	string \| null	High-level industry sector (NAICS sector code string), or null if not available.
industry_classification.categories[].category	string	Internal category code used by Middesk (e.g., "PROFESSIONAL_SERVICES").
industry_classification.categories[].score	number	Confidence score (0–1) for the classification prediction.
industry_classification.categories[].high_risk	boolean	Indicates whether the category is considered high-risk.
industry_classification.categories[].naics_codes	array of strings	List of NAICS codes associated with this category.
industry_classification.categories[].sic_codes	array of strings	List of SIC codes associated with this category.
industry_classification.website	object	Website analysis object used to support classification.
industry_classification.website.url	string (URL)	Business website URL analyzed.
industry_classification.website.status	string	Status of the website (e.g., "online").
industry_classification.website.parked	boolean	Indicates whether the domain is parked.

SOS Documents

Field	Type	Description
object	string	Object type identifier. Always `"document"` for SOS document delivery.
id	string (UUID)	Unique identifier for the document record.
document_type	string	Type of document (e.g., "Initial_filing").
filename	string	File name associated with the document.
content_type	string (MIME)	Content type of the file (e.g., "application/pdf").
size	integer	File size in bytes.
download_url	string (URL)	Signed URL to download or view the document file.
created_at	string (ISO 8601 datetime)	Timestamp when the document record was created.
filing_date	string (ISO 8601 datetime)	Date of filing associated with the document.
source	object	Source record linked to this document (e.g., registration).
source.type	string	Type of source (e.g., "registration").
source.id	string (UUID)	Identifier of the source record.
source.metadata	object	Metadata about the source record.
source.metadata.state	string	State where the filing occurred (e.g., "MO").
source.metadata.status	string	Status of the registration (e.g., "active").
metadata	object	Additional metadata (currently empty, may contain extended attributes in future).