Make sure the customer is always right – for you

Alloy is the global Identity Decisioning Platform that helps banks and fintech companies automate their decisions for onboarding, transaction monitoring, and credit underwriting.

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Nearly 1,000,000 decisions processed daily

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Take a closer look at the whole picture

Alloy is your command center for identity - here for your global compliance and fraud-fighting needs. Our single-API platform connects you to the data you need to understand your customers and their behaviors from the day they onboard and beyond. You get more automated decisions, better conversions and less fraud; your customers get a great experience.

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Homepage product overview

Identify more than just identity

Fraud mobile

Stay ahead of fraud attacks

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 stack.

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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. All while meeting cross-border KYC/KYB and AML requirements.

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Transaction monitoring mobile
Transaction Monitoring

Monitor ongoing risks

Real-time transaction monitoring helps you fight fraud and see a clear picture of your customers’ risks and needs. Customized rules let you flag the real risky behavior without all the false positives.

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Credit underwriting mobile
Credit Underwriting

Make smart 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.

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See how it works

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Automating 80% of account openings for Brex

Brex offers business credit cards and cash management accounts to technology companies. Using Alloy, 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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"Alloy has helped Brex scale and automate processes for a more compliant and efficient onboarding flow."

Michael Tannenbaum, Chief Financial Officer at Brex

Results with Alloy


reduction in manual reviews

How Novo reduced manual reviews and doubled their customer conversion.

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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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Shared perspectives

15 min read
How to approve more good customers

Your guide to using multiple data sources for identity verification


10 min read
Your guide to build vs. buy

Discover which path forward is right for your organization's identity decisioning process


10 min read
The value of an identity decisioning platform

How to calculate the ROI


See what you’re missing

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