Alloy is a fraud prevention solution for fintech companies that combines machine learning and agentic AI, data orchestration, and identity verification to catch fraud at every stage of the customer lifecycle, from onboarding through every account interaction and payment event. Fraud Signal scores risk at the customer level in real time, connecting signals from the initial application through every account interaction and transaction. Fraud Attack Radar monitors for coordinated attack patterns at the portfolio level. When risk is detected, the AI Assistant handles the investigation, triaging alerts, reviewing cases, and taking action. This work all happens within Alloy's orchestration engine, where detection, decisions, and compliance workflows run in one closed system. Together, they give fintechs the fraud intelligence to approve more good customers and catch synthetic identity fraud, account takeover, and payment fraud before they escalate.

Alloy is designed to integrate with existing technology rather than replace it. By consolidating fraud detection, identity verification, and AML compliance into one platform, fintechs don't have to manage disconnected point solutions. Fintechs integrate with Alloy once to access 270+ partner solutions and can swap, test, and optimize partner solutions without additional engineering work. The result is a single system that handles KYC, KYB, real-time transaction monitoring, case management, and fraud risk scoring, all within the same decisioning engine.

Alloy automates the compliance workflows sponsor banks require, including anti-money laundering screening, sanctions and watchlist monitoring, BSA/AML transaction monitoring, customer risk rating, and case management. The AI Assistant handles high-volume procedural work and routes exceptions to human reviewers, so fintechs can meet Know Your Customer (KYC) and Know Your Business (KYB) obligations at scale without building a large compliance team.

Alloy layers identity verification, device fingerprinting, behavioral biometrics, and multi-factor authentication to detect identity theft and account takeover across the customer lifecycle. At onboarding, document verification and consumer identity records flag stolen or fabricated credentials before accounts are opened. Post-onboarding, step-up authentication and biometric verification trigger automatically when account activity signals that a customer's identity has been compromised.

Risk management and growth move together on Alloy's platform. By automating fraud detection and compliance workflows, fintechs can approve more good customers, expand into new products and markets faster, and scale operations at any volume. According to Alloy's 2026 State of Fraud Report, 93% of fintechs agree fraud risk is a primary factor in deciding what new products to offer, making risk management directly tied to product velocity and market share.