# Alloy

**Canonical:** https://apis.io/providers/alloy-com/  
**Website:** https://www.alloy.com/  
**APIs profiled:** 17

Alloy is a New York-based identity decisioning platform that helps banks, credit unions, and fintechs onboard, monitor, and protect customers across KYC, KYB, AML, fraud, credit, and ongoing-monitoring use cases. The Alloy API exposes the platform's evaluations, journey applications, entities, events, documents, cases, investigations, lists, and webhooks for programmatic identity decisioning and ongoing risk monitoring.

## Kin Score — 58.9 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 58.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.9 |
| Governance | 58.3 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 52.2 |
| Commercial Clarity | 73.7 |

Regulatory layer — **Banking & Open Finance**: 53.2 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (17)

- **Alloy Bank Accounts API** — Bank account records and related entity history.
- **Alloy Batches API** — Batch processing of journey applications and evaluations.
- **Alloy Cases API** — Case management, evidences, and review work items.
- **Alloy Custom Lists API** — Tenant-defined reference lists with versioning and activation.
- **Alloy Documents API** — Uploaded identity, address, and supporting documents for entities.
- **Alloy Entities API** — Person and business entities, notes, merging, feedback, and groups.
- **Alloy Evaluations API** — Run, retrieve, and audit identity, KYC, KYB, AML, fraud, and credit evaluations.
- **Alloy Events API** — Real-time monitoring events for entities, accounts, transactions, and logins.
- **Alloy Groups API** — Entity groups and group-level evaluations.
- **Alloy Investigations API** — Investigation lifecycle, assignment, review, archival, and types.
- **Alloy Journeys API** — Multi-step decisioning journeys, applications, batches, and reviews.
- **Alloy Lists API** — Built-in watchlist-style lists and list metadata.
- **Alloy OAuth API** — OAuth 2.0 bearer token issuance and validation.
- **Alloy Parameters API** — Tenant-level parameters for evaluations and journeys.
- **Alloy Portfolio Evaluations API** — Bulk re-evaluations across a portfolio of entities.
- **Alloy Published Attributes API** — Custom attributes published from external systems and used in policy.
- **Alloy Reviews API** — Manual review notes and decisions on entities.

## Agentic access (1)

- **Alloy Com Agentic Access** — 115 operations · 69 acting

## Security (2)

- **Alloy Com Authentication** — http · 2 schemes
- **Alloy Com Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (2)

- **Alloy Com Plans Pricing**
- **Alloy Plans Pricing**

## Use cases (7)

- **Consumer Onboarding (KYC)** — Verify individual consumers during account opening for banks, neobanks, and consumer fintechs.
- **Business Onboarding (KYB)** — Verify businesses and beneficial owners for SMB banking, payments, and lending products.
- **AML Compliance** — Screen against sanctions, PEP, and adverse-media lists and monitor ongoing activity for AML risk.
- **Fraud Prevention** — Detect synthetic identity, account takeover, and transaction fraud across onboarding and post-onboarding.
- **Credit Underwriting** — Run credit decisioning Journeys for lending and BNPL products.
- **Embedded Finance Risk** — Sponsor banks orchestrate fintech program risk through configurable Journeys and ongoing monitoring.
- **Perpetual KYC** — Continuously re-evaluate customers against fresh data using ongoing monitoring events.

## Tags

Identity Decisioning, Identity Verification, KYC, KYB, AML, Fraud Prevention, Credit Underwriting, Ongoing Monitoring, Case Management, Fintech, Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/alloy-com/). Scores are computed from the provider's own public artifacts under a published rubric.