Optimize growth while minimizing risk

Alloy provides an end-to-end identity and fraud prevention platform that helps financial institutions and fintechs automate and manage their decisions for onboarding, ongoing fraud & AML monitoring, and credit underwriting.
 

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Trusted by over 600 of the world’s top financial institutions and fintechs

Building financial products has never been safer

Alloy brings together the most innovative sources of risk intelligence to help financial institutions and fintechs optimize growth while minimizing risk. With configurable solutions for understanding a customer’s identity, fraud, compliance, and credit risk throughout the entire customer lifecycle, Alloy helps companies deliver great financial products to more customers around the world.
 

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Homepage product overview

Identity is central to solving fraud and compliance risk

Fraud

Move faster than the pace of fraud

Fraud attempts and attacks are inevitable. It’s not about if it will happen, it’s about whether or not you are prepared. Alloy allows you to respond to any situation instantly and without engineering resources, future-proofing your risk tech stack.

Learn more about fraud solutions

Compliance

Get compliant, stay compliant

The global regulatory environment is increasingly complex. A set-it-and-forget-it approach to compliance no longer works. Alloy arms you with the expertise and tools to understand your regulatory requirements and stay compliant.

Learn more about compliance solutions

Onboarding

Step up your onboarding

Give your customers the fast and simple online account opening experience they deserve, while increasing conversions, reducing manual reviews, and preventing fraud. Alloy enables instant digital identity verification and document verification, all while meeting cross-border KYC, KYB, and AML requirements.

Learn more about onboarding

Ongoing Monitoring

Monitor ongoing risks

Combine information captured during onboarding with ongoing transaction and account activity to create an evolving customer risk profile enabling you to prevent fraud and remain compliant throughout the customer lifecycle.

Learn more about ongoing monitoring

Credit Underwriting

Make smarter credit decisions

Transform your credit policies into easy-to-use workflows that integrate with credit bureau and alternative underwriting data for a clearer picture of your customers.

Learn more about credit underwriting

Embedded Finance

Manage embedded finance risk

Sponsor banks are facing increasing pressure from regulators. Fintechs want to optimize beyond their sponsor banks’ KYC/AML and fraud processes so they can improve customer conversions. Alloy enables all ends of the embedded finance ecosystem to manage their shared risk together.

Learn more about embedded finance risk management

Alloy uses data orchestration to help banks and fintechs make better identity risk decisions.

Black live oak bank logo

Alloy's holistic solution helped Live Oak reduce fraud losses by 27%

Live Oak enlisted Alloy to bring onboarding, transaction monitoring, and credit underwriting into one centralized platform. Using Alloy, the team reduced investigation time by 30%*, giving them time back to focus on their customers and building new products.

"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

Results with Alloy

58%

reduction in manual reviews

Alloy helps Grasshopper drive down the cost of fraud and expand into new markets while retaining a lean operation.

Read the full case study

5X

For every dollar spent on Alloy, Consumers saves $5 in fraud losses

Alloy helped Consumers revamp its digital onboarding process, improving both its fraud prevention capabilities and member experience.

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89%

decrease in average time it takes to make a policy change

Alloy helped Earnest cut the time it took to implement changes to its credit policy by 89%, while auto approval rates rose from 45% to over 70%

Read the full case study

Access the broadest network of data partners

Alloy offers the largest network of third-party data in the industry, with over 200 data sources (and counting) covering 195 markets around the world.

And hundreds more! Check out our Partner Center to see our complete list of data partners.
 

Additional resources

Blog
5 min read
Why your fraud model is broken

Most fraud prevention models no longer keep up with current threats because they focus on transactions instead of identity.
 

Read the full blog

Blog
5 min read
What sets Alloy apart?

Learn why the world's leading financial institutions and fintechs choose Alloy.
 

Read the full blog

Guide
10 min read
How to scale your fraud prevention

Learn how to build a fraud prevention strategy that grows with you.
 

Read the guide

See what you’re missing

First, we’ll learn about your needs, answer your questions, and then see how Alloy can help.
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