FinQub
Middesk alternative

A KYB data source is not an orchestration layer.

Middesk is the leading US KYB data source, pulling business identity from Secretary of State offices, IRS, and watchlists. FinQub is a fintech orchestration layer that uses Middesk (and Baselayer, Trulioo, Socure, and others) as one of many vendors behind a unified KYB schema with cross-domain workflows and a hash-chained audit trail.

See the comparison ↓

Different categories. Often used together.

Middesk supplies KYB data. FinQub orchestrates KYB (and every other fintech vendor) with Middesk as one of several providers.

Middesk

US KYB data source

Purpose-built US business verification. Pulls directly from Secretary of State offices, IRS, and watchlists. Clean PDF audit reports. Strong product for the US KYB verification step.

Best for: teams whose orchestration need is narrow US KYB data depth with examiner-ready PDF reports out of the box.

FinQub

Fintech orchestration layer

Orchestrates KYB across multiple providers (Middesk, Baselayer, Trulioo, Socure). Cross-domain workflows link KYB decisions to KYC, payments, banking, and comms. One hash-chained audit trail across every vendor call.

Best for: teams that need KYB to chain into the rest of the fintech stack, want provider failover across KYB vendors, and need one audit trail across categories.

FinQub vs Middesk

Orchestration layer above the KYB data source vs the KYB data source itself.

Capability
FinQub
Middesk
US KYB data depth (SoS, IRS, watchlists)
Via Middesk, Baselayer, or Trulioo integration. FinQub orchestrates; the underlying data depth is the vendor's.
Core product. Direct pulls from all 50 Secretaries of State, IRS, and watchlists.
Global / non-US KYB coverage
Through Trulioo and other global KYB providers orchestrated via FinQub.
US-first. Limited coverage outside US.
Multi-provider failover within KYB
If primary KYB vendor times out or lacks coverage, route to secondary. Configurable per workflow.
Single-vendor. If Middesk misses a record or is down, you handle it.
Unified KYB schema across providers
Universal Pivot Format normalizes Middesk, Baselayer, Trulioo, Socure responses into one shape.
Not applicable. You consume Middesk's schema directly.
KYC orchestration (Onfido, Jumio, Persona, etc.)
Orchestrated natively. KYB decisions chain into KYC flows for UBOs.
Not in scope.
Payments & payouts orchestration
Stripe, PayPal, Mastercard, multi-rail routing, reconciliation.
Not in scope.
Open finance / banking aggregators
Plaid, Finicity, MX with unified transaction model and failover.
Not in scope.
Cross-domain workflows (KYB decision triggers payment config)
First-class workflow builder chains KYB, KYC, payment, banking, fraud steps.
Not in scope.
Examiner-ready audit export (PDF)
Signed PDF + JSON export per framework (AMLD6, SOC 2, PCI DSS, DORA, CFPB 1033, GDPR).
Per-verification PDF with source documentation. Well-suited for OCC audits.
Hash-chained tamper-evident audit trail
SHA-256 chain across every vendor call in every workflow. Offline verification CLI.
Event-logged per verification. Not cryptographically chain-verified across decisions.
No-code visual workflow builder
Drag-and-drop across every vendor category.
API-first product. Dashboard UI for manual review, not workflow composition.
Perpetual KYB (ongoing monitoring)
Configurable re-check cadence + alert workflows chained to other fintech systems.
Core product. Real-time change alerts on verified businesses.
Market maturity
Pre-revenue. Founding design-partner stage. SOC 2 Type I in progress.
Series B, 500+ customers, established enterprise deployments.
Pricing model
Subscription + workflow-run overage. Starter / Pro / Enterprise.
Per-verification pricing. Enterprise contracts.

Comparison based on publicly documented capabilities of Middesk as of April 2026. We try to keep this accurate — let us know at hello@finqub.io if something is out of date.

When to pick which

Pick Middesk if

You need the best US KYB data and nothing else

  • • Your entire need is US business verification with depth from Secretary of State, IRS, and watchlist sources.
  • • You want a direct API integration without an orchestration layer in between.
  • • One KYB vendor is enough. You do not need failover across KYB providers.
  • • Payments, KYC, banking, fraud are handled elsewhere and do not need to chain into KYB decisions.
  • • You are preparing for an OCC audit and want a proven examiner-ready PDF report format.
Pick FinQub if

You need KYB to chain into the rest of your stack

  • • You want to use Middesk (or Trulioo, Baselayer) as a KYB data source but orchestrate it inside a broader fintech workflow.
  • • KYB decisions need to trigger KYC flows on UBOs, payment processor configuration, bank account creation, or Slack alerts.
  • • You want multi-provider KYB failover and a unified schema so switching providers is a config change.
  • • You need one hash-chained audit trail across KYB + KYC + payments + banking, not one per vendor.
  • • You are running global fintech workflows that need non-US KYB coverage alongside US.

Frequently asked questions

Stop building your orchestration layer. Start running on it.

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