Full-lifecycle identity & fraud intelligence
Alloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops fraud, and simplifies compliance across the customer lifecycle.
Trusted by over 800 of the world's top financial institutions and fintechs
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90%
Account openings automated
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35%
Decrease in fraud losses
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5x
Fraud savings per dollar spent
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56%
Increase in automated approval rate
Unified Risk Management
Accelerate onboarding, stop fraud, and simplify compliance
Onboarding at scale
Fast, frictionless onboarding that minimizes risk
- Approve more good customers quickly and confidently
- Reduce drop-off by eliminating unnecessary friction
- Verify customer identity across acquisition channels
Full-lifecycle fraud prevention
Fraud detection built to outpace threats
- Catch more fraud without blocking legitimate customers
- Ditch static rules for Fraud Signal, our machine learning model that adapts as threats evolve
- Get a single view of fraud risk across onboarding, transactions, and account activity
End-to-end compliance
Compliance you can count on as your portfolio grows
- Monitor your portfolio continuously with real-time risk signals
- Streamline perpetual KYC/KYB, AML, and fraud checks with fully auditable agentic automation
- Extend your compliance program to embedded finance products
Fast, frictionless onboarding that minimizes risk
- Approve more good customers quickly and confidently
- Reduce drop-off by eliminating unnecessary friction
- Verify customer identity across acquisition channels
Fraud detection built to outpace threats
- Catch more fraud without blocking legitimate customers
- Ditch static rules for Fraud Signal, our machine learning model that adapts as threats evolve
- Get a single view of fraud risk across onboarding, transactions, and account activity
Compliance you can count on as your portfolio grows
- Monitor your portfolio continuously with real-time risk signals
- Streamline perpetual KYC/KYB, AML, and fraud checks with fully auditable agentic automation
- Extend your compliance program to embedded finance products
Platform
End-to-end risk management starts here
Alloy’s open data ecosystem, orchestration engine, and Actionable AI form a unified platform that gets smarter with every signal and every decision.
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Open data ecosystem
Access 270+ partner solutions. Alloy's vendor-neutral approach lets you integrate best-in-class providers, compare performance, and swap solutions as needed.
Explore Data Partners -
Orchestration engine
Alloy's orchestration layer sits between the data ecosystem and intelligence layer, routing inputs, sequencing vendor calls, and managing dependencies across every workflow.
Explore Data Orchestration -
Actionable AI
Alloy's Actionable AI suite combines predictive machine learning and agentic AI to help your team spend time on what matters most. Every step is logged, explainable, and tied to your policies.
Explore Actionable AI
Data Partners
Access the industry’s broadest ecosystem of identity data
Alloy’s vendor-neutral network gives you access to 270+ partner solutions. Swap, test, and optimize as your risk needs evolve.
Check out our partner network
Actionable AI
Predict, detect, and triage with our suite of Actionable AI tools
Your fraud team shouldn't be the last line of defense. Our native AI continuously handles fraud detection, scoring, and case review to reduce manual work for your team.
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01 Fraud Intelligence
Fraud Attack Radar
AI-powered intelligence alerts you to coordinated fraud attacks at the portfolio level, so you can stop large-scale attacks before they escalate and keep your onboarding funnel flowing.
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02 Predictive AI
Fraud Signal
Our identity-centric machine learning model continuously predicts fraud risk from first touch to every subsequent interaction, so you can confidently distinguish good customers from bad actors.
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03 Agentic AI
AI Assistant
Agentic AI analyzes case triggers and recommends next steps for infinitely scalable risk management and compliance operations.
Who we serve
Purpose-built for teams like yours
For Banks
Centralize risk management with
consistent, enterprise-grade controls
For Fintechs
Scale confidently with a flexible decisioning layer built for speed
For Credit Unions
Grow and protect your members with the industry's most trusted platform
Centralize risk management with
consistent, enterprise-grade controls
Scale confidently with a flexible decisioning layer built for speed
Grow and protect your members with the industry's most trusted platform
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“We've seen almost a 3x increase in automation thanks to Alloy's best practices and expert guidance.”
Cris Daly
Digital Product Manager, Langley
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Datos Insights 2025 Impact Awards
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“Alloy's AI Assistant saves me a significant amount of time and gives me the confidence to quickly review and close watchlist alerts based on the insights it provides.”
Edward Campiani
Chief Compliance Officer
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3x
Digital account opening growth
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“Alloy's ability to connect to hundreds of data sources allows us to…create the positive Member experience we strive to deliver while minimizing risk.”
Matthew Seagrim
Chief Digital and Marketing Officer
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88%
Reduction in application review time
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Deloitte Technology Fast 500 2025
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2x
Increase in customer conversions
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“With Alloy, we catch fraud before it comes through the door.”
Michelle Case
VP of Digital Channels, Langley
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“Whenever we're looking to update our KYC, KYB, or fraud checks, the first thing that we do is reach out to Alloy.”
Will Haynes
SVP of Embedded Banking Product Leader, LiveOak
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<5 min
Application decisioning time
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“In just a month, we were onboarding users and reducing risk using the Alloy system.”
Tyler McIntyre
Co-founder & CTO, Novo
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CNBC World's Top Fintech Companies 2025
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“We're building the future of payments in times of heightened threats.”
Matt Henderson
Head of Risk, Earnest
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“Alloy is orchestrating all of the identity, device, and fraud signals in real time, which allows us to approve more good members automatically and intervene only when there is real risk.”
Eva Coffee
Manager of Digital Strategy
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58%
Reduction in manual reviews
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“Alloy's Fraud Signal delivers the precision and speed necessary to intercept emerging fraud.”
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“We're completely future-proofed, even in times of heightened fraud threats.”
Matt Lee
Head of Product
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“Alloy connects us to more data sources, which helps us increase the speed at which we’re able to give applicants a decision.”
Jun Cho
Senior Product Manager
-
“Alloy’s automation capabilities drastically increases our scalability.”
Phil Suckow
VP of Innovation
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74%
Reduction in fraud losses
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“Alloy's AI-powered Fraud Attack Radar enables us to act quickly before any loss is incurred.”
Angie Crosby
VP of PMO
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“Not only does Alloy help us make more informed decisions, it's also faster. Our partnership with Alloy has ensured that our time is spent actually running our business instead of triaging issues, and you can't understate the value of that.”
Joe Thompson
Head of Live Oak Express
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“We've seen almost a 3x increase in automation thanks to Alloy's best practices and expert guidance.”
Cris Daly
Digital Product Manager, Langley
Datos Insights 2025 Impact Awards
-
“Alloy's AI Assistant saves me a significant amount of time and gives me the confidence to quickly review and close watchlist alerts based on the insights it provides.”
Edward Campiani
Chief Compliance Officer
-
“Alloy's ability to connect to hundreds of data sources allows us to…create the positive Member experience we strive to deliver while minimizing risk.”
Matthew Seagrim
Chief Digital and Marketing Officer
-
Deloitte Technology Fast 500 2025
-
“With Alloy, we catch fraud before it comes through the door.”
Michelle Case
VP of Digital Channels, Langley
“Whenever we're looking to update our KYC, KYB, or fraud checks, the first thing that we do is reach out to Alloy.”
Will Haynes
SVP of Embedded Banking Product Leader, LiveOak
-
“In just a month, we were onboarding users and reducing risk using the Alloy system.”
Tyler McIntyre
Co-founder & CTO, Novo
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CNBC World's Top Fintech Companies 2025
“We're building the future of payments in times of heightened threats.”
Matt Henderson
Head of Risk, Earnest
-
“Alloy is orchestrating all of the identity, device, and fraud signals in real time, which allows us to approve more good members automatically and intervene only when there is real risk.”
Eva Coffee
Manager of Digital Strategy
-
“Alloy's Fraud Signal delivers the precision and speed necessary to intercept emerging fraud.”
“We're completely future-proofed, even in times of heightened fraud threats.”
Matt Lee
Head of Product
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70%
Reduction in third-party account takeover (ATO) fraud for one large credit union
“Alloy connects us to more data sources, which helps us increase the speed at which we’re able to give applicants a decision.”
Jun Cho
Senior Product Manager
-
“Alloy’s automation capabilities drastically increases our scalability.”
Phil Suckow
VP of Innovation
-
“Alloy's AI-powered Fraud Attack Radar enables us to act quickly before any loss is incurred.”
Angie Crosby
VP of PMO
“Not only does Alloy help us make more informed decisions, it's also faster. Our partnership with Alloy has ensured that our time is spent actually running our business instead of triaging issues, and you can't understate the value of that.”
Joe Thompson
Head of Live Oak Express
