AUTHENTICATION
Risk-based authentication for every identity touchpoint
Apply the right level of scrutiny to every touchpoint and channel.
Protect your financial services customers from fraud and reduce
friction at the same time.
RISK-BASED AUTHENTICATION
Purpose-built for a friction-right authentication process
When authentication and fraud checks run on separate rails, customers feel it. Low-risk users hit unnecessary step-ups, while high-risk users slip through the gaps.
Alloy unifies both into a single decisioning layer, so every touchpoint — login, account changes, money movement — applies the right level of scrutiny for the actual risk in that moment.
One decisioning layer to
meet every customer
moment
Alloy applies a unified decisioning layer to every customer touchpoint — from login attempts to account changes to transactions — and every channel. You get a complete view of customer interactions, and your customers get a consistent experience no matter how they reach you.
FULL-LIFECYCLE CONTROLS
One decisioning layer to meet every customer moment
Alloy applies a unified decisioning layer to every customer touchpoint and every channel. You get a complete view of customer interactions, and your customers get a consistent experience no matter how they reach you.
ACCOUNT SERVICING
Your best customers don’t deserve your worst-case controls
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Let trusted customers in faster
Without Alloy
Blanket controls treat every customer the same regardless of level of risk. Legitimate users with consistent user behavior and recognized devices still hit the same verification steps as high-risk interactions, creating unwarranted friction.
With Alloy
Low-risk interactions move through seamlessly. Customers on a familiar mobile device in a consistent geolocation don't face unnecessary interruptions. That means stronger digital engagement and better retention.
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Reduce the operational cost of authentication
Without Alloy
Managing authentication methods across channels means maintaining multiple tools and updating policies in multiple places. Every rule change requires an engineering sprint, which means controls lag behind the threats they’re meant to address.
With Alloy
Policy changes deploy in real time through a no-code interface, eliminating siloed point solutions and reducing call center volume and manual review queues. Your team spends less time maintaining controls and more time improving them.
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Close the gaps fraudsters are looking for
Without Alloy
When identity and fraud signals live in separate systems, there’s no unified view of risk at the moment of authentication. Controls get applied inconsistently across channels, creating openings for unauthorized access and data breaches.
With Alloy
Device, network, behavioral patterns, and fraud signals come together in one decisioning layer, applied consistently across every channel. High-risk interactions get the review they require, without creating friction everywhere else.
Traditional authentication wasn't built for modern risk
Most authentication programs apply the same controls to every interaction. Risk-based authentication adapts to what's actually happening by continuously assessing context from multiple datapoints and responding accordingly.
STEP-UP AUTHENTICATION
Enforce baseline security, escalate when risk grows
Whether it’s an unrecognized IP address, a new device, or an unusual location, sometimes a login attempt just doesn't add up. Alloy dynamically orchestrates the right adaptive authentication response to each access attempt from a range of pre-built integrations. Every response is calibrated precisely to the level of risk the situation warrants.
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OTP / SMS / push notifications
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OTP / SMS / push notifications
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Device fingerprinting / biometrics
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Document verification
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Knowledge-based authentication
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Two-factor authentication / MFA
ACCOUNT SERVICING
Apply onboarding-caliber scrutiny to every account change
Credit Fraud
Verify the person behind profile changes
Without Alloy
A fraudster who gained access to a legitimate account makes subtle changes — a new phone number, a new address, a different email — through a low-friction channel. Post-onboarding controls weren’t built to catch it, and the true account holder doesn’t find out until it’s too late.
With Alloy
High-risk contact changes trigger re-verification of customer details and automatic step-ups upon detection of risk. Customers making legitimate updates flow through cleanly. Suspicious changes get flagged before the account is compromised, and a full audit trail documents every action taken.
Transaction Fraud
New linked accounts
Without Alloy
Linking or changing an external funding account is one of the highest-risk actions in the post-onboarding lifecycle. Without ownership verification built into these flows, a compromised account can become a vehicle for unauthorized transfers, with no controls in place to catch it before funds move.
With Alloy
External account linking automatically triggers ownership, access, and risk assessment checks. Block risky accounts, pause transactions, or trigger additional authentication requests before any funds move. Alloy's pre-built integrations to leading account intelligence solutions make the check fast and frictionless for customers who've done nothing wrong.
Transaction Fraud
New-account rigor for every new signer
Without Alloy
Adding a new joint owner, authorized user, UBO, or signer is a high-risk event that often gets treated like a routine update. Ownership goes unverified, access goes unconfirmed, and the newly added user becomes a source of loss.
With Alloy
Adding a new signer triggers the same CIP, KYC, and fraud checks applied at onboarding, run in real time across every channel and against a unified risk view. Legitimate additions move through with minimal friction, and risky ones are flagged or go through step-up authentication before access is granted.
Verify the person behind profile changes
Without Alloy
A fraudster who gained access to a legitimate account makes subtle changes — a new phone number, a new address, a different email — through a low-friction channel. Post-onboarding controls weren’t built to catch it, and the true account holder doesn’t find out until it’s too late.
With Alloy
High-risk contact changes trigger re-verification of customer details and automatic step-ups upon detection of risk. Customers making legitimate updates flow through cleanly. Suspicious changes get flagged before the account is compromised, and a full audit trail documents every action taken.
New linked accounts
Without Alloy
Linking or changing an external funding account is one of the highest-risk actions in the post-onboarding lifecycle. Without ownership verification built into these flows, a compromised account can become a vehicle for unauthorized transfers, with no controls in place to catch it before funds move.
With Alloy
External account linking automatically triggers ownership, access, and risk assessment checks. Block risky accounts, pause transactions, or trigger additional authentication requests before any funds move. Alloy's pre-built integrations to leading account intelligence solutions make the check fast and frictionless for customers who've done nothing wrong.
New-account rigor for every new signer
Without Alloy
Adding a new joint owner, authorized user, UBO, or signer is a high-risk event that often gets treated like a routine update. Ownership goes unverified, access goes unconfirmed, and the newly added user becomes a source of loss.
With Alloy
Adding a new signer triggers the same CIP, KYC, and fraud checks applied at onboarding, run in real time across every channel and against a unified risk view. Legitimate additions move through with minimal friction, and risky ones are flagged or go through step-up authentication before access is granted.
PLATFORM
How does Alloy deliver risk-based authentication?
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Clear audit trail
Coordinate authentication strategies using third-party signal enrichment from 270+ data solutions without locking into a single vendor.
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Performance analytics and reporting
Bring device, behavioral, network, and other fraud signals into one consistent view, eliminating siloed decisioning and curating tailored flows for every customer.
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Versioning and permissioning
Control exactly when to apply friction, restrict access, trigger step-up, or let customers self-remediate. Set flexible rules without engineering sprints.
Stop choosing between security and experience
Ready to make authentication faster for customers, harder for fraudsters, and easier on your teams?
SCHEDULE A DEMO
Resources
Go deeper
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Article
Building stronger identity security: Enhance your authentication strategy with Alloy
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FAQs
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What is risk-based authentication?
Risk-based authentication (sometimes abbreviated as RBA) is an approach that dynamically adjusts the level of scrutiny applied to each interaction based on the risk it presents. Rather than applying the same controls to every login or transaction, risk-based authentication determines how much friction is appropriate by evaluating signals like device, behavior, location, and history. Low-risk interactions move through seamlessly, while higher-risk ones trigger additional verification.
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How does Alloy's risk-based authentication differ from what my CIAM provides?
Your CIAM is built to manage credentials and confirm that the person logging in matches what's on file. Alloy assesses whether that interaction should be trusted in the first place. By layering identity, device, and behavioral signals from onboarding and throughout the lifecycle onto your CIAM's credential check, Alloy provides the risk context your CIAM wasn't built to evaluate and triggers step-up when something doesn't add up.
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Can Alloy work with our existing authentication tools and vendors?
Yes. Alloy is an identity risk layer built to integrate with your existing tech stack. It evaluates the identity signals your existing tools don't, then feeds that context back into the workflow, so your CIAM, IVR, and other downstream systems can make smarter decisions. You keep what you have, and Alloy makes it work better.
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What's the difference between risk-based authentication and multi-factor authentication (MFA)?
MFA is a specific verification method that confirms identity using two or more factors, like a password and a one-time code. Risk-based authentication is a broader strategy that dynamically determines when and how much verification is needed based on the signals present. MFA is one tool within a risk-based authentication program that triggers selectively when risk signals warrant it.
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How does continuous risk based authentication reduce friction for good customers?
By evaluating context rather than applying blanket controls, risk-based authentication can recognize low-risk interactions (like a known device, a familiar location, consistent behavior) and let those customers through without additional steps. Friction is reserved for the interactions that genuinely warrant it, which means trusted customers spend less time jumping through aggravating hoops.
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How does Alloy reduce the cost of maintaining authentication controls?
Alloy centralizes your risk logic in one place, so policy changes can be deployed in minutes rather than engineering sprints. By automating risk response and enabling customer self-resolution through intelligent step-up, Alloy also reduces the volume of cases that require manual review — freeing your team to focus on what actually needs human judgment.