Alloy is the identity and fraud prevention platform that combines agentic automation, machine learning, and open orchestration to accelerate onboarding, stop fraud, and simplify compliance across the customer lifecycle.
Your fraud team shouldn't be the last line of defense. Our native AI combines predictive machine learning with agentic automation to continuously handle fraud detection, scoring, and case review, reducing manual work for your team.
Catch more fraud without blocking legitimate customers. Ditch static rules for Fraud Signal, our machine learning model that adapts as threats do. Get a single view of fraud risk across onboarding, transactions, and account activity.
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
Approve more good customers quickly and confidently. Reduce drop-off by eliminating unnecessary friction. Verify customer identity across acquisition channels.
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 270 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.