Alloy

Alloy is an identity decisioning platform that financial institutions and fintech companies use to automate the checks that happen when someone opens an account, applies for credit, or makes a risky transaction. Rather than integrating dozens of identity verification, fraud, credit, and compliance vendors separately, a company connects them all through Alloy and builds a workflow that decides, in real time, whether to approve, deny, or route an application for review based on the combined signals. Alloy provides access to a broad network of data sources across identity verification, document verification, KYC and KYB checks, sanctions and watchlist screening, fraud databases, and credit bureaus, and it gives risk teams a no-code environment to design rules, run experiments, and monitor outcomes without engineering support. It also supports ongoing monitoring and transaction fraud decisioning after onboarding. In 2025 Alloy expanded its capacity to decision on billions of financial events per month and added AI-assisted compliance tooling. More than six hundred banks and fintechs use the platform, and it has repeatedly been named to fintech industry lists. Alloy is sold as a paid enterprise platform, typically priced by decision or application volume plus the cost of the underlying data checks.