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Stop fraud, stay compliant, and solve your identity risk problem

Alloy is the global end-to-end identity risk solution that helps banks and fintechs automate and manage their decisions for onboarding, ongoing fraud & AML monitoring, and credit underwriting.

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Trusted by over 500 of the world’s top banks and fintechs

Building financial products has never been easier

Alloy solves the identity risk problem for the world’s leading banks, fintechs, and other companies offering financial products. With configurable solutions for understanding a customer’s identity, fraud, compliance, and credit risk throughout the entire customer lifecycle, Alloy helps companies deliver great financial products to more customers around the world.

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Homepage product overview

Identity is at the core of solving fraud and compliance risk


Move faster than the pace of fraud

Fraud attempts and attacks are inevitable. It’s not about if it will happen, it’s about whether or not you are prepared. Alloy allows you to respond to any situation instantly and without engineering resources, future-proofing your risk tech stack.

Learn more about fraud solutions


Get compliant, stay compliant

The global regulatory environment is becoming increasingly complex. A set-it-and-forget-it approach to compliance no longer works. Alloy arms you with the expertise and tools to understand your regulatory requirements and stay compliant.

Learn more about compliance solutions


Step up your onboarding

Give your customers the fast and simple online account opening experience they deserve, while increasing conversions, reducing manual reviews, and preventing fraud. Alloy enables instant digital identity verification and document verification, all while meeting cross-border KYC, KYB, and AML requirements.

Learn more about onboarding

Ongoing Monitoring

Monitor ongoing risks

Combine information captured during onboarding with ongoing transaction and account activity to create an evolving customer risk profile enabling you to prevent fraud and remain compliant throughout the customer lifecycle.

Learn more about ongoing monitoring

Credit Underwriting

Make smarter credit decisions

Transform your credit policies into easy-to-use workflows that integrate with credit bureau and alternative underwriting data for a clearer picture of your customers.

Learn more about credit underwriting

Embedded Finance

Manage embedded finance risk

Sponsor banks are facing increasing pressure from regulators. Fintechs want to optimize beyond their sponsor banks’ KYC/AML and fraud processes so they can improve customer conversions. Alloy enables all ends of the embedded finance ecosystem to manage their shared risk together.

Learn more about embedded finance risk management

Alloy uses data orchestration to help banks and fintechs make better identity risk decisions.

Black live oak bank logo

Alloy's holistic solution helped Live Oak reduce fraud losses by 27%

Live Oak enlisted Alloy to bring onboarding, transaction monitoring, and credit underwriting into one centralized platform. Using Alloy, the team reduced investigation time by 30%*, giving them time back to focus on their customers and building new products.

"Not only does Alloy help us make more informed decisions, it's also faster. Our partnership with Alloy has ensured that our time is spent actually running our business instead of triaging issues, and you can't understate the value of that."

Joe Thompson, Head of Live Oak Express

Results with Alloy


reduction in manual reviews

How Novo reduced manual reviews and doubled their customer conversion.

Read the full case study


of account openings are automated

Brex automated over 80% of new account openings, growing from a private beta of 100 startups to serving thousands of customers in less than 6 months.

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automated customer approval rate

HMBradley is able to automate more than 80% of their customer approvals while minimizing risks and providing a seamless experience for customers.

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Access the broadest network of data partners

Alloy offers the largest network of third-party data in the industry, with over 200 data sources (and counting) covering 195 markets around the world.

And hundreds more! Check out our Partner Center to see our complete list of data partners.

Additional resources

5 min read
Why your fraud model is broken

Most fraud prevention models no longer keep up with current threats because they focus on transactions instead of identity.

Read the full blog

10 min read
How to build your digital banking strategy

Your guide to building a digital strategy you can bank on.

Check out the guide

10 min read
How to scale your fraud prevention

Learn how to build a fraud prevention strategy that grows with you.

Read the guide

See what you’re missing

First, we’ll learn about your needs, answer your questions, and then see how Alloy can help.