Switching & Middleware Platform

MiOS

A modular middleware platform that bridges your systems — handling switching, routing, monitoring, settlement, and business orchestration in a single unified layer.

Contact Sales See All Products

One Platform, Four Capabilities

MiOS goes beyond traditional switching. It's a complete middleware platform that handles every layer of your transaction infrastructure.

Switching & Routing

Route transactions across systems in real time. MiOS supports ISO 8583, ISO 20022, JSON, XML, and custom formats — bridging banks, billers, and third-party services seamlessly.

Real-Time Monitoring

Track every transaction as it happens with a built-in web dashboard. Get instant visibility into system health, throughput, and error rates across all connected services.

Report & Settlement

Automate end-of-day reconciliation and settlement reporting. MiOS generates accurate, auditable reports that meet regulatory requirements without manual intervention.

Business Orchestration

Define custom business logic with pluggable microservices. Add validation rules, fee calculations, loyalty programs, or any workflow — without modifying the core switching engine.

How MiOS Connects Your Systems

MiOS sits at the center of your infrastructure, bridging channels, core systems, and downstream providers through a unified middleware layer.

Channels & Clients

Mobile AppATMWeb Portal3rd PartyFintech

MiOS Platform

Core Modules

Switching CoreAPI GatewayMicroservicesMonitoringSettlement

Downstream Systems

BanksBillersBI-FASTPayment NetworksE-Wallets

Trusted by Leading Institutions

BPDNET

Bank Muamalat

Payment Inc

Bali Muda

Kementerian Perhubungan

At Tijaniyah

Frequently Asked Questions

Common questions about MiOS and how it can fit your infrastructure.

MiOS is a modular middleware and switching platform built by Matajari. It bridges two or more systems for data communication — handling transaction routing, data mapping, validation, and real-time connectivity. Built on microservices architecture, MiOS is highly scalable and customizable to your specific business needs.

MiOS supports a wide range of industry-standard formats and protocols including ISO 8583, ISO 20022, JSON, XML, plain text, HTTPS, WSDL/SOAP, SNMP, SMTP, and socket-based communication. This makes it compatible with virtually any system in the financial ecosystem.

Absolutely. MiOS is built with a plugin-based architecture that lets you add custom business logic, validation rules, fee structures, or any workflow on top of the core switching engine — without modifying the platform itself. This means faster deployment and easier upgrades.

MiOS runs on Java EE and Spring Boot, supports both Linux and Windows, and can be containerized with Docker. It works with Oracle, PostgreSQL, and MySQL databases, and uses Kong or Nginx as API gateway. The platform supports high-availability deployments across multiple data centers.

No. While MiOS is widely used in banking (BPDNET, Bank Muamalat), it also serves fintechs, cooperatives, community finance organizations, and even government agencies. For example, Kementerian Perhubungan uses MiOS for SNMP-based infrastructure monitoring across their transportation systems.