Article
Full-lifecycle identity & fraud intelligence
Alloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops financial crime, and simplifies compliance across jurisdictions.
Trusted by over 800 of the world's top financial institutions and fintechs
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195
Markets served globally
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6
Weeks to market for a UK-based global embedded finance platform
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2X
Increased STP for UK's leading cash deposit platform
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249M
Identities processed in 2025
Unified Risk Management
Accelerate onboarding, automate in-life monitoring, and strengthen compliance
Onboarding at scale
Increase STP rates with fast, frictionless onboarding that minimises risk
- Onboard more customers without growing headcount
- Increase STP rates with decisions that move as fast as your applicants
- Launch into new jurisdictions quickly and compliantly
- Reduce manual work and compliance team overhead with AI-powered solutions
In-life monitoring
FinCrime detection built to outpace threats
- Catch more financial crime without blocking legitimate customers
- Reduce manual intervention with automated interdiction and step-up options through the Alloy SDK
- Get a single view of risk across onboarding, transactions, and account activity
- Automate pKYC/KYB checks to keep customer risk profiles current throughout the account lifecycle
Multi-market compliance
Compliance you can count on as your portfolio grows
- Scale compliance programs across jurisdictions with policies configurable to local regulatory requirements
- Streamline KYC, KYB and financial crime processes with autonomous agentic AI that leaves a full audit trail regulators can review
- Run tailored pKYC and pKYB per jurisdiction as your compliance program grows
- Extend your compliance program to embedded finance products
Increase STP rates with fast, frictionless onboarding that minimises risk
- Onboard more customers without growing headcount
- Increase STP rates with decisions that move as fast as your applicants
- Launch into new jurisdictions quickly and compliantly
- Reduce manual work and compliance team overhead with AI-powered solutions
FinCrime detection built to outpace threats
- Catch more financial crime without blocking legitimate customers
- Reduce manual intervention with automated interdiction and step-up options through the Alloy SDK
- Get a single view of risk across onboarding, transactions, and account activity
- Automate pKYC/KYB checks to keep customer risk profiles current throughout the account lifecycle
Compliance you can count on as your portfolio grows
- Scale compliance programs across jurisdictions with policies configurable to local regulatory requirements
- Streamline KYC, KYB and financial crime processes with autonomous agentic AI that leaves a full audit trail regulators can review
- Run tailored pKYC and pKYB per jurisdiction as your compliance program grows
- Extend your compliance program to embedded finance products
Platform
In-life customer risk management
Alloy’s open data ecosystem, orchestration engine, and agentic automation form a unified platform that gets smarter with every signal and every decision.
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Open data ecosystem
Access 270+ global data solutions, including diverse electronic identity (eID) providers. Alloy's vendor-neutral approach lets you integrate best-in-class providers per market.
Explore Data Partners -
Orchestration engine
Alloy's orchestration layer routes inputs, risk-rates customers, sequences vendor calls, and triggers pKYC/KYB checks across every workflow. Configurable Customer Risk Assessments let you tailor policies per jurisdiction, product, and risk tolerance — no engineering required.
Explore orchestration -
Agentic AI
The AI Assistant leverages Alloy orchestration and workflow context to act on next steps and accelerate decisioning. Every step is logged, explainable, and tied to the policy that triggered it.
Explore our AI Assistant
Data Partners
Access the industry’s broadest ecosystem of identity data
Alloy’s open orchestration network gives you access to pre-integrated solutions from nearly 100 leading identity, fraud, and credit intelligence companies. Swap, test, and optimise as your risk needs evolve.
See Data Partners
The Alloy AI Assistant
Agentic AI built for the full customer lifecycle
For cases that can’t be straight-through processed with rules alone, Alloy's AI Assistant deploys agentic AI to eliminate manual friction in risk and compliance processes.
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Document Review
Automatically extract and verify information from documents to reduce approval wait times.
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Watchlist Screening
Identify false positives faster to accelerate time to decision.
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KYB and pKYB
Verify business identity through open web research and corroborate UBOs in minutes, not hours.
Who we serve
Purpose-built for teams like yours
For Fintechs
Scale into new geographies with configurable onboarding and full-lifecycle decisioning
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Press Release
IG Group partners with Alloy to balance regulatory compliance with ambitious growth goals
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For Embedded Finance
Reach new customers quickly with compliant, configurable risk management
For Banks
Meet regulatory requirements with consistent, enterprise-grade controls
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Article
Building stronger identity security: Enhance your authentication strategy with Alloy
Scale into new geographies with configurable onboarding and full-lifecycle decisioning
Reach new customers quickly with compliant, configurable risk management
Meet regulatory requirements with consistent, enterprise-grade controls
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Article
Building stronger identity security: Enhance your authentication strategy with Alloy
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CNBC World's Top Fintech Companies 2025
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“By digitising our AML/KYC processes with Alloy, we’ve sped up exponentially how quickly savers can begin to enjoy access to hundreds of savings accounts on a single platform.”
Francesco Fulcoli
Chief Compliance and Risk Officer at Flagstone
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58%
Reduction in manual reviews
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“Integrating Alloy’s identity and fraud prevention platform into our risk management processes is transforming perpetual KYC from a conceptual ideal to a real-life, proven way of operating that increases automation and efficiency, and reduces risk and development burden.”
William Mead
Head of Operations at IG Group
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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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“Alloy’s automated monitoring and decisioning tools ensure we can meet our regulatory obligations efficiently while offering our customers a fast and secure onboarding experience.”
Francesco Fulcoli
Chief Compliance and Risk Officer at Flagstone
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88%
Reduction in application review time
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“Alloy’s automated verification and monitoring tools help us refocus our attention and efforts to deliver the sort of user experience an IG customer expects from us. ”
William Mead
Head of Operations at IG Group
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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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2x
Increase in customer conversions
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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
-
“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
-
“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
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60%
Increase in STP for the French market of a multi-national trading provider
CNBC World's Top Fintech Companies 2025
-
“By digitising our AML/KYC processes with Alloy, we’ve sped up exponentially how quickly savers can begin to enjoy access to hundreds of savings accounts on a single platform.”
Francesco Fulcoli
Chief Compliance and Risk Officer at Flagstone
-
“Integrating Alloy’s identity and fraud prevention platform into our risk management processes is transforming perpetual KYC from a conceptual ideal to a real-life, proven way of operating that increases automation and efficiency, and reduces risk and development burden.”
William Mead
Head of Operations at IG Group
“We've seen almost a 3x increase in automation thanks to Alloy's best practices and expert guidance.”
Cris Daly
Digital Product Manager, Langley
-
“Alloy’s automated monitoring and decisioning tools ensure we can meet our regulatory obligations efficiently while offering our customers a fast and secure onboarding experience.”
Francesco Fulcoli
Chief Compliance and Risk Officer at Flagstone
88%
Reduction in application review time
-
“Alloy’s automated verification and monitoring tools help us refocus our attention and efforts to deliver the sort of user experience an IG customer expects from us. ”
William Mead
Head of Operations at IG Group
“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
-
“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
-
<5 min
Application decisioning time
“In just a month, we were onboarding users and reducing risk using the Alloy system.”
Tyler McIntyre
Co-founder & CTO, Novo
-
“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
-
70%
STP for UK's leading cash deposit platform
“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
