Reimagine KYB and KYC onboarding with agentic AI

Alloy's customer and business onboarding software unifies identity verification, fraud prevention, and compliance automation in a single platform. Through KYC/KYB onboarding automation, financial organizations can apply consistent, risk-based checks across digital, branch, and call center channels. Alloy complements — and often partners with — popular digital onboarding platforms like MANTL, nCino, and Narmi, for seamless and secure experiences both customers and financial organizations approve of. With Alloy, the same identity and risk intelligence that powers onboarding continues into ongoing monitoring. Our Actionable AI includes proprietary machine learning models like Fraud Signal, which continuously refines risk scores across your applicant population, and Fraud Attack Radar, which detects coordinated fraud attacks at account opening before they can scale.

Alloy runs a configurable set of checks depending on the applicant's risk level and organization's risk tolerance. Standard Customer Identification Program (CIP) requirements cover the basics, collecting and validating customer information such as name, date of birth, and address against authoritative data sources, and real-time watchlist screening for sanctions and politically exposed persons (PEPs). Customer due diligence (CDD) applies to all onboarding customers and establishes the nature and purpose of the business relationship. Where anti-money laundering violations and other financial crime risk is elevated, Alloy escalates to enhanced due diligence (EDD) for a deeper level of scrutiny. In addition to compliance checks, Alloy runs fraud-specific signals including device intelligence, behavioral data, and ML-based identity risk scoring. Every check happens within a single workflow, with all customer data fully documented to meet regulatory requirements and support compliance reporting.

Alloy provides a full KYB solution that streamlines business verification at account opening. We verify business entities and beneficial owners in real-time against authoritative sources such as business registries, watchlists, and ownership databases. This enables us to establish a clear picture of the business relationship while running KYB alongside KYC compliance, AML, and fraud checks in a single workflow. This enables financial organizations to onboard small businesses and commercial clients efficiently while staying on top of regulatory requirements. And because business structures change, Alloy's perpetual KYB (pKYB) keeps monitoring after day one, tracking registry and ownership changes, rescanning for sanctions and adverse media, and triggering rechecks automatically when risk signals shift.

Yes. Alloy delivers a consistent onboarding experience across branch, mobile, online, and call center channels, with risk checks tailored by product type. We enable financial organizations to modernize and unify the experience across channels and enable the same level of robust decisioning for in-person applications as for digital. We also ensure all customers are held to the same standard, and we reduce abandonment rates by providing consistent experiences. With Alloy, you can extend the same level of fraud controls to all of your channels to prevent exploitable gaps. Because Alloy maintains a unified identity profile across every channel, risk signals from one touchpoint follow the applicant to the next, keeping you protected from common fraud types, including identity fraud.