Identity Verification
Never lose sight of risk with identity verification
Automated identity verification across the customer lifecycle keeps good customers in and fraudsters out.
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RESULTS
Orchestrated identity verification for smarter, faster decisions
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Approve more legitimate customers faster
2x
growth in good customer conversions
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Offer smoother experiences with less manual review
90%
automated account opening
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Detect sophisticated fraud before it impacts your business
27%
decrease in fraud year over year
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Verify identities across the customer lifecycle
98%
auto-decisioning on logins
-
Approve more legitimate customers faster
2x
growth in good customer conversions
-
Offer smoother experiences with less manual review
90%
automated account opening
-
Detect sophisticated fraud before it impacts your business
27%
decrease in fraud year over year
-
Verify identities across the customer lifecycle
98%
auto-decisioning on logins
Platform
Build customer trust with friction-right identity verification
Data orchestration
Access the industry’s broadest open identity data network
- Pre-built integrations with best-in-class data providers cover document verification, phone-based identity, behavioral biometrics, and device risk.
- Improve straight-through processing with a waterfall strategy that automatically cascades through data sources until verification is conclusive.
- Alloy's orchestration engine combines data across providers into one unified view of each customer.
- Route customers to the right flow by country, risk level, or product type across 190+ global markets, with document support for passports, driver's licenses, and national IDs.
AI fraud detection
Stop fraud with AI-powered identity decisioning
- Document and biometric analyses verify submitted IDs against multiple data sources to catch manipulated credentials, forgeries, and AI-generated deepfakes.
- Liveness detection blocks spoofing attempts using photos, videos, or synthetic media at every stage of the customer journey.
- Fraud Signal uses predictive machine learning to connect identity, behavioral, and activity signals across time, surfacing patterns like account takeover and money mule activity earlier in the lifecycle.
Dynamic controls
Configure identity verification flows to match your risk appetite
- Configurable escalation rules let you determine when to trigger additional verification based on defined risk thresholds.
- Built-in testing compares configurations in controlled experiments to optimize approval rates, false positive reduction, and fraud catch rates.
- Alloy’s no-code workflow builder lets you set adjustable parameters by risk tier, channel, customer segment, geography, or product type.
Access the industry’s broadest open identity data network
- Pre-built integrations with best-in-class data providers cover document verification, phone-based identity, behavioral biometrics, and device risk.
- Improve straight-through processing with a waterfall strategy that automatically cascades through data sources until verification is conclusive.
- Alloy's orchestration engine combines data across providers into one unified view of each customer.
- Route customers to the right flow by country, risk level, or product type across 190+ global markets, with document support for passports, driver's licenses, and national IDs.
Stop fraud with AI-powered identity decisioning
- Document and biometric analyses verify submitted IDs against multiple data sources to catch manipulated credentials, forgeries, and AI-generated deepfakes.
- Liveness detection blocks spoofing attempts using photos, videos, or synthetic media at every stage of the customer journey.
- Fraud Signal uses predictive machine learning to connect identity, behavioral, and activity signals across time, surfacing patterns like account takeover and money mule activity earlier in the lifecycle.
Configure identity verification flows to match your risk appetite
- Configurable escalation rules let you determine when to trigger additional verification based on defined risk thresholds.
- Built-in testing compares configurations in controlled experiments to optimize approval rates, false positive reduction, and fraud catch rates.
- Alloy’s no-code workflow builder lets you set adjustable parameters by risk tier, channel, customer segment, geography, or product type.
Full Lifecycle Monitoring
Identity verification embedded at every critical customer touchpoint
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Account opening
Alloy orchestrates identity signals across data sources in real time to verify and approve new applicants, automating decisions that would otherwise require manual review.
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Authentication
Risky login attempts or credential reset requests trigger step-up authentication, requiring users to reverify their identity before regaining access.
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Account maintenance
Updates to PII or account details trigger identity verification checks that confirm the person behind the change matches the original identity on file.
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Step-up and interdiction
When risk signals spike at any point across the lifecycle, Alloy automatically routes customers into a step-up flow that prompts document verification or liveness detection through the SDK.
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Money movement
Real-time identity and risk checks run ahead of high-value transfers, external account linking, and funding events to verify account ownership and flag anomalies before funds move.
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Account expansion
Continuous identity reverification assesses risk signals throughout the lifecycle, supporting product expansion, credit limit increases, and cross-sell opportunities as customer profiles evolve.
For Developers
One platform,
endless iteration
Integrate once to access 270+ data solutions, eliminating custom builds and ongoing vendor maintenance.
For faster deployment, the Alloy SDK wraps third-party provider integrations into your application flow with a fully customizable front end, saving your team the effort of building each connection from scratch.
Resources
Dive deeper into identity verification
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Article
Meeting the new identity standard: Unlocking global growth with digital ID verification
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