Didit vs Middesk: KYB with a linked KYC for every owner

Last reviewed: 25 October 2026 · Not legal advice

Teams looking for a Middesk alternative usually onboard businesses: lenders, payments and payroll platforms, fintechs opening business accounts, B2B marketplaces. The registry check starts the job. Then come the people behind the company, the watchlists, the transactions once the account is live, and the review queue all of this creates.

Middesk sells business verification and business-risk data for companies onboarding business customers.^[1] We build Didit, so read this as our side. Every Middesk fact below comes from Middesk's own public pages, read on 25 October 2026, and each one is cited.

Didit vs Middesk at a glance

Middesk column: middesk.com and docs.middesk.com. Didit column: docs.didit.me.

KYB that ends with every owner verified

A business is only as trustworthy as the people who run it, so Didit makes the company check and the people checks one flow. The registry returns the company profile and, where you buy those tiers, its shareholders and ultimate beneficial owners. Didit checks each declared owner and officer against the company's own documents, then screens them and sends each one a linked KYC.^[12] Beneficial owners who need identity verification get their Didit KYC email automatically.^[13]

With each KYC linked to the business, the analyst reviews the company and its people together.

One business, its people and its money, checked in one account.^[12][13][17]

Middesk researches associated owners and officers automatically when you create a business.^[4] Its KYC on those people uses a third-party identity provider to check each person's personal information and return an approve or reject decision from the risk modules you configure with that provider; after you sign your contract, Middesk configures that provider's account with your selected bundle.^[3] Document verification for people requires implementing the provider's document SDK.^[3] A liveness check of Middesk's own is not documented on Middesk's public pages (checked 2026-10-25).^[3]

Registry coverage you can price per country

Didit's company registry checks cover 220+ countries and territories, and you choose per country how much registry data you buy: company profile, shareholders, or ultimate beneficial owners. Business verification costs from $2.00 per business.^[11][14] Didit validates EU VAT numbers through VIES as part of business verification, and Document AI reads any document you define and extracts the fields you choose, for $0.20 per document.^[11][15]

AML screening and ongoing monitoring at a list price

Didit screens people and businesses at $0.20 per check, and ongoing AML monitoring costs $0.07 per profile per year.^[11] You can turn ongoing AML monitoring on for up to 1,000 customers in one API call, with a cost estimate before you commit.^[16][12]

After onboarding: transaction monitoring and wallet screening

Didit scores every transaction against real-time rules at $0.02 per transaction and opens alerts and cases in the same console as the KYB and KYC records.^[11][17] Didit ships over 150 preset transaction-monitoring rules, and you can backtest a rule against your own history before you switch it on.^[18][19] When a rule flags a transaction, Didit can hold it and ask the user for one selfie, matched against the face they already verified.^[20] Didit drafts SAR, STR and other FIU reports from the case and exports them as goAML XML and PDF for your filing.^[21]

For platforms that touch crypto, Didit screens any wallet address on demand for $0.15 per check, with a signed PDF report.^[22] Wallet screening runs on blockchain-analytics providers, and you order it, read it and pay for it in your Didit account.

Agents that do the review work

Middesk also documents a remote MCP server and its own investigation agents, so compare the task an agent completes and who can switch it on.^[8][9]

Didit is agentic: it automates the compliance work that usually needs another analyst. The Investigator agent reads each verification, transaction alert or case waiting for review, writes a report with a recommendation and cites every piece of evidence it used. It decides on its own only within the policy and autonomy level your team sets, it never files a regulatory report, and every decision is logged.^[23] It runs on Didit's Growth plan and above, Didit enables it per organization, it is not available in sandbox, and it costs $0.20 per reviewed item. A support agent answers your users' support conversations from $0.02 per message.

Copilot works inside the Business Console. Describe the flow you need and Copilot builds a validated draft workflow, citing the documentation it used.^[27] Publishing requires your confirmation, and when it edits a workflow, a change card lists what changed and Undo reverts it.^[26]

Your own agents connect through Didit's hosted MCP server at mcp.didit.me, over OAuth 2.1 with Log in with Didit. There is no API key to paste.^[24] Your agent can create, backtest and install transaction-monitoring rules through the Didit MCP, then hand them to you in test mode. Ask it why a session was declined and the Didit MCP traces the warning, status rule or reviewer override behind it.^[25] Middesk's MCP docs tell readers to contact their account manager or sales to inquire about access.^[8]

A rule task run by an agent through the Didit MCP. A person switches it on.^[25]

Database checks for the people behind the business

Didit's catalog documents government and authoritative database checks in 45 countries plus a Global group: a government register in most countries, and a credit-bureau, financial-services, utility or residential file in some.^[30] Most of these checks run natively inside the same workflow and API as the owner's document and selfie; check each service's page for workflow availability and prerequisites. South Africa's Home Affairs photo lookup, for example, requires the user's recorded consent.^[33] Where the national register holds a photo, as in Argentina, Nigeria, Panama and South Africa, Didit matches the user's selfie against it.^[31]

Modular workflows and the evidence behind every decision

Didit's workflow builder shows each step's price while you build, and branches can merge back into one path. The editor flags a branch that contradicts the outcome it routes to, before you publish.^[28] Run KYB alone or add owner KYC, AML and transaction rules as steps.

Pricing: a published list against a sales conversation

Didit publishes a list price for each module and charges only for the checks a session runs. Business verification costs from $2.00 per business. A full KYC check (ID verification, passive liveness, face match, and device and IP analysis) costs $0.33. AML screening is $0.20, ongoing AML monitoring $0.07 per profile per year, passive liveness alone $0.10, transaction monitoring $0.02 per transaction, and wallet screening $0.15 per check.^[11] You open an account at business.didit.me, test in the sandbox and see the price of each step, with no quote to request.

Prices are not documented on Middesk's public pages (checked 2026-10-25), and its docs pages end by directing readers to an account manager or sales to inquire about access.^[1][4] Middesk documents a sandbox with mock data.^[10]

Switching from Middesk to Didit

• List the Middesk checks you run per business, your countries and your renewal date.
• Rebuild the flow in the workflow builder, or describe it to Copilot, and pick a registry tier per country.
• Map Middesk's statuses to Didit's Approved, Declined and In Review in your backend and webhooks.
• Route a share of new businesses to Didit and compare match rates, owner completion and cost.
• Add ongoing AML, transaction rules and wallet screening, then move the rest.

1. Day 1Open an accountSandbox and console, no quote to request.
2. Week 1Build and testKYB workflow, owner KYC, webhooks.
3. PilotRun in parallelA share of new businesses on each vendor.
4. RenewalMove the restWhen your Middesk agreement allows.

A staged switch. Timing depends on your volumes, your countries and your Middesk contract.

How Didit helps teams switching from Middesk

Didit puts KYB, owner KYC, AML, transaction monitoring and wallet screening in one account, priced per check. See the Middesk alternative page for the side-by-side, the pricing page to price your flow, or the business verification guide to start building.

Frequently asked questions

Sources

1. Middesk home page, Middesk, read 25 October 2026.
2. Platform, Middesk, read 25 October 2026.
3. KYC, Middesk docs, read 25 October 2026.
4. Owners and officers, Middesk docs, read 25 October 2026.
5. International Business Verification, Middesk, read 25 October 2026.
6. International verification, Middesk docs, read 25 October 2026.
7. Sanctions screening, Middesk docs, read 25 October 2026.
8. MCP server, Middesk docs, read 25 October 2026.
9. Work with agents, Middesk docs, read 25 October 2026.
10. Environments, Middesk docs, read 25 October 2026.
11. Pricing, Didit docs, read 25 October 2026.
12. Key people, Didit docs.
13. Business verification overview, Didit docs.
14. KYB supported countries and data tiers, Didit docs.
15. Business verification documents and VIES, Didit docs.
16. Ongoing AML monitoring API, Didit docs.
17. Transaction monitoring overview, Didit docs.
18. Rules library, Didit docs.
19. Transaction rules API and backtesting, Didit docs.
20. SDK transaction submission and step-up, Didit docs.
21. FIU reports, Didit docs.
22. Wallet screening, Didit docs.
23. Investigator agent, Didit docs.
24. MCP server overview, Didit docs.
25. MCP tools, Didit docs.
26. September 2026 changelog, Didit docs.
27. August 2026 changelog, Didit docs.
28. Workflows, Didit docs.
29. Retrieve session, Didit docs.
30. Database validation supported countries, Didit docs.
31. Non-document lookup and registry photo match, Didit docs.
32. New pricing from 1 November 2026, Didit blog.
33. South Africa DHA photo retrieval, Didit docs.

Middesk and its marks belong to their owner; references here are nominative, for comparison only, and imply no affiliation. The Middesk alternative page has the side-by-side.