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.
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.
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.
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.
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.
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.
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.
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.
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.
Joe Thompson, Head of Live Oak Express
Alloy helps Grasshopper drive down the cost of fraud and expand into new markets while retaining a lean operation.
Alloy helped Consumers revamp its digital onboarding process, improving both its fraud prevention capabilities and member experience.
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%
Alloy offers the largest network of third-party data in the industry, with over 200 data solutions (and counting) covering 195 markets around the world.
And hundreds more! Check out our Partner Center to see our complete list of data partners.
Most fraud prevention models no longer keep up with current threats because they focus on transactions instead of identity.
Learn why the world's leading financial institutions and fintechs choose Alloy.
Learn how to build a fraud prevention strategy that grows with you.