What we shipped in Q4: Alloy rolled out more than a dozen new features and counting
Feb 3, 2026
At Alloy, we stay deeply connected to our clients and the challenges they face every day. So for us, shipping isn’t just about speed, it’s about moving at the pace our customers need to stay ahead of fraud and compliance requirements to drive sustainable growth. By releasing improvements frequently, and listening closely, we’re able to adapt quickly and provide end-to-end identity and fraud prevention that evolves alongside the businesses we serve.
We love innovating on big new things. In the past year, we’ve had lots of those: Fraud Attack Radar, Partner Center, Perpetual Know Your Business, the Alloy AI Assistant. But regularly shipping features and improvements is just as critical to the Alloy platform. They may not always get a splashy announcement, but we know a steady cadence of improvements can create a significant impact for financial institutions and fintechs.
In Q4 (November-January for Alloy), we released over a dozen new features and integrations. Here are some highlights of what we’ve shipped over the past three months.
Actionable AI that delivers real results
Actionable AI at Alloy means applying AI directly where decisions are made to improve speed, accuracy, and outcomes across the risk lifecycle. Alloy uses AI to identify fraud attacks, surface clear risk signals, and recommend next best actions so teams can automate confidently and intervene only when it matters. By embedding AI into decisioning, investigations, and policy iteration, Alloy helps customers reduce fraud and manual effort while maintaining transparency, control, and compliance.
Fraud Signal
Fraud Signal is Alloy’s predictive machine learning model that connects data from onboarding, transactions, and ongoing account activity to deliver full-lifecycle fraud detection. It’s designed to identify risk earlier and help financial institutions and fintechs respond faster.
Fraud Signal condenses dozens of checks into one clear signal. It cuts through noise, catches patterns that rules miss, and keeps getting smarter as it learns from new behavior—so fraud management teams see stronger fraud detection with fewer false positives and less alert fatigue.
Even more agile policies
Agile policies reflect Alloy’s commitment to helping teams adapt as risk, fraud, and regulatory conditions change. Instead of static rules or slow release cycles, Alloy enables financial institutions and fintechs to quickly build, modify, test, and deploy decision logic with confidence. Through intuitive workflow editing and built-in backtesting, teams can iterate on policies using proven best practices, validate changes before going live, and continuously optimize outcomes without sacrificing control, compliance, or speed.
Rule-based notifications: percent rules
Teams can now set percent-based thresholds for rule-based notifications for tags or outcomes. This is helpful because application volume fluctuates by time and day. Absolute counts (e.g., 30 denials/hour) can be normal at peak times, but anomalous off-hours. Instead, a metric like >50% denial rate with at least 30 applications is consistently meaningful.
Identity-centric decisions for a holistic view of every customer
Identity-centric decisions are becoming essential as fraud and risk increasingly span multiple applications, accounts, and business entities. To meet this shift, Alloy is expanding how teams configure, review, and act on identity signals, bringing more control and context directly into their workflows. These features give teams a holistic view of identity across onboarding, review, and ongoing monitoring, so decisions are made with full context rather than in isolation.
Customer risk assessments built for clarity and control
Customer risk assessments (CRAs) provide context into how risky a customer or business relationship is and why. With Alloy’s first-class CRA experience, users can see how individual risk factors roll up into a final risk score, enabling faster, more consistent, and easier-to-explain decisions. CRAs are fully configurable to clients’ risk frameworks, and each evaluation includes a transparent breakdown of contributing factors, such as changes in business activity or updates to beneficial ownership. Assessments can be done for both single-entity and multi-entity use cases (e.g., a single customer, or business and associated UBOs) at onboarding and throughout the customer lifecycle (post-onboarding), giving chief security officers and their teams continuous, auditable visibility into risk across their portfolio.
Application and investigation review enhancements
Banks, credit unions, and fintechs using Alloy’s manual review and investigations case management capabilities will benefit from a cleaner review interface that removes any data panels that are empty, providing agents with more meaningful results and making it easier to review at a glance
Business onboarding with groups and business event monitoring
Onboard businesses as groups that include both the business entity and associated individuals, creating a dynamic foundation for ongoing monitoring. Now fraud strategy teams can define UBOs, directors, and signers, set ownership percentages, manage group-level attributes, and assign a unified group-level CRA.
Monitor events and automate risk decisions across the entire group. Aggregate alerts into a unified group investigation, including watchlist hits, business and ownership changes, authorized user logins, external account linking, and real-time transactions.
Easier integrations with an expanded solutions partner network
Alloy is always working to make it faster and simpler for financial institutions and fintechs to connect the data, systems, and partners they need to make better identity decisions. Through pre-built integrations, flexible APIs and SDKs, and a growing partner ecosystem, Alloy reduces the time and effort required to onboard new data sources or expand into new use cases. This allows teams to move quickly, avoid custom engineering work, and confidently evolve their risk stack as their business, markets, and regulatory needs change without replatforming or operational overhead.
New solutions for end-to-end fraud and identity risk management
In Q4, we added several new integrations to our solutions partner network for watchlist screening, document verification, Know Your Business and more:
In closing
As you can see, we were pretty busy in Q4, and there’s plenty more to come. We can’t wait to share even more things with you in Q1 and beyond.
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Steven Schuler is Vice President of Product Marketing at Alloy. He has over a decade of experience leading product marketing teams at some of the world’s fastest-growing and most innovative tech companies.
