Alloy
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.
APIs
Alloy API
Identity decisioning API for KYC, KYB, AML, fraud, credit underwriting, and ongoing monitoring. Organized around evaluations, journeys and journey applications, person and busin...
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Alloy API
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FinOps
Alloy Finops
FINOPSFeatures
Verify person and business identities against 270+ data sources across 195 markets.
Configurable Journeys orchestrate KYC, KYB, document verification, and step-up review for new customer acquisition.
Perpetual KYC and event-driven monitoring across logins, credential updates, transactions, and account changes.
Machine-learning Fraud Signal and integrated device-risk providers detect fraud across onboarding and post-onboarding events.
Credit underwriting and policy management with Journey- based decisioning.
Cases, evidences, and works support compliance review and dispute workflows.
Investigation lifecycle with alerts tied to journey applications and assignable agents.
Bring custom ML models and published attributes into Alloy workflows for tenant-specific decisioning logic.
Real-time notifications for journey, case, and investigation events with Basic, HMAC, and OAuth 2.0 auth.
Web, iOS Webview, and Android Webview SDKs for embedding Alloy's document verification and step-up flows.
Use Cases
Verify individual consumers during account opening for banks, neobanks, and consumer fintechs.
Verify businesses and beneficial owners for SMB banking, payments, and lending products.
Screen against sanctions, PEP, and adverse-media lists and monitor ongoing activity for AML risk.
Detect synthetic identity, account takeover, and transaction fraud across onboarding and post-onboarding.
Run credit decisioning Journeys for lending and BNPL products.
Sponsor banks orchestrate fintech program risk through configurable Journeys and ongoing monitoring.
Continuously re-evaluate customers against fresh data using ongoing monitoring events.
Integrations
Digital identity and device intelligence integration.
Device risk and fraud signals integration.
Device risk integration.
Behavioral risk integration.
Behavioral biometrics integration.
Device risk and fraud signals integration.
Identity provider integrations for Okta, Azure AD, ADFS, JumpCloud, and generic SAML 2.0.
User provisioning integrations for Okta and Azure.
Solutions
Identity and fraud platform for traditional financial institutions.
Onboarding and risk platform for consumer and business fintechs.
Embedded finance program risk management for sponsor banks supporting fintech programs.