Banks, fintechs, and credit unions use Alloy to orchestrate 250+ identity data solutions through a single integration. Streamline manual reviews, minimize fraud losses, and accelerate product launches while delivering the seamless experience your customers expect.
Alloy’s solutions work together to help you approve ideal customers while managing risk. Deploy the exact capabilities you need, when you need them.
Track account changes and activity to act on risk in real time.
Orchestrate step-ups and friction-right controls as new threats emerge.
Meet regulatory obligations with always-on compliance.
Make faster, more accurate credit decisions with a wider range of data sources.
Support new products and partnerships with scalable identity checks.
Alloy automates identity and compliance checks so you can approve more applicants with confidence — all while delivering a seamless onboarding experience. Low-risk customers move through instantly, and high-risk cases are flagged for step-up verification or review. Expect higher conversion rates, fewer false declines, and stronger fraud protection from the start.
See how Novo cut manual reviews by 50% and doubled conversions with Alloy
Risk doesn’t end at onboarding. Alloy tracks account changes and activity to build a dynamic, real-time view. This gives you a 360° view of your customers — empowering you to personalize and protect every experience. With dynamic insights into risk, you can confidently grant more or less access in real time, balancing growth with security.
Fraud threats prevent financial institutions and fintechs from delivering the customer or member experience daily users demand. Alloy’s identity-centric approach to fraud helps you proactively detect suspicious behavior across the customer lifecycle. We make it easy to experiment, iterate, and innovate strategies to stay ahead of emerging threats.
Alloy’s compliance rules are built on industry best practices, so you stay aligned with regulatory requirements from the start. Meet KYB, KYC, AML, sanctions screening, and local regulations easily with activity history for every customer action. For global institutions, Alloy orchestrates rules and workflows across markets — cutting manual effort while keeping compliance consistent worldwide.
Discover how IG Group balances compliance and growth with Alloy
AI-powered fraud prevention shouldn’t stop at detection. Alloy’s actionable AI helps you identify threats and act on them instantly — triggering real-time interventions like step-ups or safe mode controls before losses occur. By uniting data, automation, and machine learning, you can outpace evolving fraud tactics and protect your customers in real time.
Growth and fraud prevention don’t have to be at odds. Tapping into new customer segments is crucial to the success of your financial institution or fintech. With the right foundation, your teams can move faster, adapt to new risks, and expand into new markets without hesitation. Alloy gives you the confidence to pursue growth securely — so every new product, partnership, and channel becomes an opportunity to scale.
Alloy makes it possible for banks to deliver a great experience throughout the customer lifecycle while reducing fraud rates and staying in control of identity decisions. Our platform integrates with existing systems, such as CIAM technology, so there’s no need to rip and replace. On average, Alloy clients see a 33% increase in approval rates and a 48% reduction in fraud.
Some of the world’s fastest-growing fintechs use Alloy to launch new products faster and scale without adding compliance risk. Our platform also supports fintech-sponsor bank partnerships by giving both sides shared oversight and audit-ready transparency. As products evolve, Alloy provides the flexibility to adapt policies quickly — avoiding vendor lock-in and keeping growth on track.
Alloy serves credit unions of all sizes — from local to multiregional — so they can continue to transform their members’ banking experience and financial well-being. Our in-branch and digital-based solutions help credit unions implement more automated workflows, respond faster to fraud attacks, and better identify complex fraud threats at origination.
Learn how Alloy supports credit unions in the fight against fraud
Alloy is a SOC2, Type 2-certified company that offers best-in-class protection to global financial institutions and fintechs. We work hard to create the most robust and resilient identity and fraud prevention platform in the world, so fraud and compliance challenges will never slow you down.
Check out our video overview to learn more about Alloy, and how we make it easier and safer for financial organizations to build great products.
Alloy is an end-to-end identity and fraud prevention platform built for banks, credit unions, and fintechs. Alloy helps financial organizations verify customer identities, detect fraud, and meet compliance requirements across the customer lifecycle — from onboarding to servicing, authentication, and money movement. With 250+ data integrations and real-time decisioning, Alloy provides a single source of truth for customer identity, enabling faster approvals, lower fraud losses, and scalable compliance.
Alloy unifies identity verification, fraud prevention, compliance automation, and credit decisioning into one platform. Teams can build risk-based policies that extend across multiple channels, automate KYC/KYB/AML checks, and continuously monitor customers to catch anomalies before they lead to losses — all without relying on siloed point solutions or extensive manual reviews.
Most point solutions address only a single problem — such as authentication or fraud monitoring. Alloy replaces this patchwork approach with a unified identity risk management layer that powers consistent decisioning across onboarding, logins, account changes, and transactions. This keeps hidden risk from slipping through the cracks, while providing a more seamless customer experience. Through a combination of automation, flexible integrations, and an API-first design, Alloy reduces operational complexity while giving teams a holistic view of customer risk.
Yes! When integrated, the two systems work together: your CIAM authenticates users, while Alloy assesses real-time risk by connecting disparate risk signals, enriching them with third-party intelligence, applying adaptive step-up checks to help prevent account takeovers and fraudulent activity without adding friction.
Alloy automates KYC, KYB, AML, and sanctions screening and regulatory filing processes to help institutions stay compliant with evolving regulations. Our platform centralizes data from hundreds of verification and watchlist sources, applies configurable workflows for risk-based due diligence, and maintains full audit trails for regulators. Alloy’s compliance capabilities help financial organizations meet obligations under the Bank Secrecy Act (BSA), FATF standards, and other global frameworks while reducing manual reviews.
