Better credit underwriting starts with Alloy

Standard consortium data is a given, but it is not enough. Alloy’s extensive ecosystem of over 200 data solutions leverages alternative underwriting data in tandem with traditional credit score information, so you can accept more applicants and continue to grow — while reducing risk to your business.

A holistic approach to credit underwriting

Alloy allows you to manage all credit decisions end-to-end and automate credit checks, starting at origination and continuing throughout the customer lifecycle — all from a single platform. With Alloy, you can confidently manage your portfolio risk while uncovering new revenue opportunities.

Streamline your onboarding and credit underwriting processes

With KYC/KYB, fraud, and credit application information in a singular dashboard, Alloy enables you to seamlessly manage your applicants from KYC checks and identity verification to credit evaluations all within a single system.

Transform complex credit policies

Get started with easy configurations that transform your credit policies into clean workflows — no coding required post-implementation. Build anything from basic workflows to complex matrix models directly in Alloy, or import your own custom models. Through Alloy Journeys, you can offload as much of your state management as you want to Alloy by linking multiple workflow and actions together within a single configuration to reduce customer friction.

Integrate alternative data sources to increase lending opportunities

Alloy can help you safely verify and underwrite new customer segments. Our platform’s connection to multiple alternative data solutions, including transactional bank data, cash flow data, online employment verification services, and utility payment history, among others, enables you to expand your funnel and convert more customers. This not only contributes to your growth, it makes financial services more accessible to the general population.

Automate ongoing credit checks

By automating creditworthiness assessments and financial behavior on a continuous basis, you can monitor customer behavior, identify new credit opportunities, improve operational efficiency, and proactively offer credit. Alloy’s automated, scheduled credit checks alert you to changes in customer behavior.

• Monitor customer behavior to better detect and reduce default risk, avoiding negative impacts to revenue
• Identify existing customers who qualify for additional credit offers or new product opportunities
• Improve operational efficiency and track the health of your portfolio at scale
• Proactively offer credit opportunities without requiring a formal application process or incurring unnecessary risk
• Personalize and tailor these pre-qualified offers to each customer's specific needs for a seamless and convenient experience

Test and iterate for optimal performance

Backtest and see the impact of workflow changes before they go live, A/B test different versions of your workflows to see which performs better, or shadow test a new policy in tandem with current policies. You will always be confident that any changes function as expected and deliver the results you want.

How to build the ideal credit application

When you are standing up a credit product, you need to move quickly without sacrificing any steps in compliance risk management. Review some best practice recommendations, then learn how building the ideal tech stack can help alleviate customer friction behind the scenes.

Verify customers across the world

Overseeing a growing, global customer base comes with increased complexity and risk. Fraud risks and compliance requirements vary across markets, making it complex to navigate the regulatory landscape. At the same time, consumers expect seamless experiences and access to financial services regardless of geographical location. Alloy makes borderless onboarding and ongoing monitoring seamless with a global offering spanning over 30 countries, available through a single integration.

Global identity verification

Whether you are looking to comply with local KYC and AML regulations or are targeting global growth, Alloy’s all-in-one platform enables you to stay on top of regulatory changes, evolving fraud threats, and emerging market opportunities.

Manage risk decisions across multiple jurisdictions

Eliminate siloed decisions with a single platform providing a centralized view of risk across your entire enterprise. Our comprehensive dashboard aggregates responses across multiple data solutions, reducing fraud and compliance overhead. It offers maximum transparency and auditability to satisfy regulatory obligations, no matter where you operate.

Single API connection to 200+ data solutions

Onboard and monitor customers across the globe with access to superior data coverage to meet local KYC, KYB, AML, and fraud needs. Alloy is constantly finding, testing, and integrating the best and broadest data solutions for a wide range of use cases, so you can integrate once and iterate forever.

Turn on new markets

Easily switch on markets as needed, no coding necessary. Alloy enables you to design customized workflows that include fraud checks, KYC/KYB verification, AML screening, and step up verification as part of an automated, borderless solution. Applicants or businesses will be intelligently routed using a country code to the appropriate verification flow with behind-the-scenes decisioning.

Focused expertise

Alloy is a trusted advisor on identity, compliance, and fraud. We harness our experience servicing 700+ clients to help you navigate local regulations. Deploy our out-of-the-box workflows to help you meet local AML and KYC regulations and reduce your exposure to fraud on day one while providing a frictionless experience for your clients.

Future proofed for new use cases

Our flexible platform makes it easy for you to scale your risk processes as your business grows and responds to evolving fraud and business challenges. With full lifecycle monitoring, tailored recommendations, and preset attack responses, Alloy enables you to adapt to an ever-changing fraud and regulatory environment. Rapidly configure and deploy additional anti-fraud measures, new data partners, and additional geographies with maximum agility and speed.

Scale your business with ease

Alloy’s global reach enables seamless identity verification, no matter if your customers are local or overseas. Alloy operates with local in-market coverage and solution design in over 30 countries, and additional data source coverage spanning 195 markets.

• Access to data solutions with extensive global coverage
• Out-of-the-box workflows to facilitate compliance
• Receive support from Alloy’s team of fraud and compliance experts

Fraud prevention

Global financial institutions and fintechs turn to Alloy to take control of fraud, so they can grow and scale with the clearest picture of their customers. Alloy’s enterprise identity and fraud prevention platform, expert guidance, and extensive ecosystem of solutions partners help you deliver great financial products and a great customer experience.

Fraud risk management throughout the customer lifecycle

You don’t only want to stop fraud. You want to actively prevent it, without adding friction for your low-risk customers.

Stay agile against emerging fraud threats

Alloy offers the broadest coverage of third-party identity and fraud solutions in the industry, with over 200 data solutions that span 195 markets. A one-time integration with our low-code SDK lets you easily implement new risk controls and step-up verifications with your preferred vendors — no engineering resources required. Our comprehensive Testing Suite enables you to visualize projected outcomes and optimize and iterate risk strategies before going live.

• Broadest coverage of third-party identity and fraud solutions
• Over 200 data solutions spanning 195 markets
• Low-code SDK for easy integration
• Testing Suite for policy optimization

Leverage actionable AI to detect and stop fraud before it escalates

Alloy's approach to AI extends beyond alerts for suspicious activity — it provides actionable insights. This approach helps clients to quickly triage, adjust policies, conduct investigations, and make more informed decisions. By continuously feeding insights gathered throughout the customer lifecycle into our machine learning models, you can compute the risk profile of clients at both a portfolio level (with Fraud Attack Radar) and an individual level (with our Entity Fraud Model).

• Actionable AI for fraud detection
• Portfolio-level and individual-level risk assessment
• Continuous learning from customer lifecycle data

Streamline identity verification and decrease manual reviews

Alloy’s automated identity orchestration layer helps determine each customer’s risk level during onboarding, so you can keep the top of your funnel open without exposing yourself to more fraud threats. Not only will you decrease instances of the most common fraud types — like first-party fraud, second-party fraud, and third-party fraud — you’ll also decrease unnecessary manual reviews that can create unnecessary steps and hurdles for new customers.

• Automated identity orchestration
• Decreases first-party, second-party, and third-party fraud
• Reduces manual reviews

Combine insights from onboarding with ongoing account activity for better risk assessment

Alloy surfaces and aggregates insights across onboarding, ongoing account activity, and transactional data to compile an evolving view of your customers’ risks. As a result, you can identify and address high-risk activities as they occur. First, flag any unusual activity — including threats such as new account fraud, account takeover fraud, and synthetic identity fraud — at a much faster rate. Then, use Alloy’s automated interdiction capabilities, which allow you to hold or reject payments, freeze accounts, or block logins in real-time, to contain threats.

• Aggregates onboarding, account, and transaction data
• Flags unusual activity in real time
• Automated interdiction (hold/reject payments, freeze accounts, block logins)

Guide: How to scale your fraud prevention

How do you balance fraud risk management so that your products and services are easy for legitimate customers to use, but your fraud checks aren’t too lenient? The key is using multiple, complementary data sources. Then, you can add step-up verifications to your workflow on an as-needed basis and utilize more progressive onboarding processes.

• Use multiple, complementary data sources
• Add step-up verifications as needed
• Utilize progressive onboarding

Dedicated guidance from fraud experts

With hundreds of clients and millions of identity decisions approved daily, Alloy has the necessary expertise to help you outpace fraud and grow with confidence. Our comprehensive guides and documentation are designed so that you can integrate with Alloy’s best-in-class protection quickly and seamlessly. We’ll show you how to structure your workflow, so you start off fighting fraud from Day One and never stop.

• Expert guidance and best practices
• Comprehensive documentation for quick integration

Mountain America Credit Union reduced their fraud by 29%

When Mountain America Credit Union realized their fraud management system automatically approved too many individuals — including fraudulent applicants — Alloy helped create a self-service application process designed to identify suspicious activity and reduce instances of fraud at origination.

• 29% reduction in fraud for Mountain America Credit Union
• Self-service application process to identify suspicious activity

Turn compliance risk management into your competitive advantage

Regulatory compliance comes with an expensive price tag if you get it wrong, but Alloy turns compliance risks into opportunities. We future-proof your digital identity verification workflow, so you can manage your end-to-end compliance program in a single dashboard, without having to rely on your engineering team.

Integrate compliance throughout the customer lifecycle

With Alloy, you can keep pace with regulation while striking the right balance between risk and growth to minimize customer friction.

Perpetual KYC

Beginning at onboarding, comply with cross-border Know Your Customer (KYC) regulations while maintaining a seamless customer experience. Alloy’s singular, configurable platform provides the clearest view of customer risk profiles, automates more identity verification and document verification decisions, and reduces the need for manual oversight.

Streamlined KYB

Alloy helps you comply with challenging Know Your Business (KYB) regulations to onboard business customers quickly while mitigating risks. Through a single API call, you can simultaneously verify both the business entity and the ultimate beneficial owners (UBOs). This occurs in tandem with KYC, AML, and fraud checks to accommodate more complex workflows and expand your services to a wider variety of customer segments.

AML monitoring

Alloy’s out-of-the-box rules are based on industry best practices, so you start off compliant on Day One and never waver from that benchmark. You can also build custom rules and workflows to monitor customers’ ongoing activity and flag potentially suspicious behavior. We provide an activity history for all actions your customers take, so you can easily meet global anti-money laundering (AML) requirements and local requirements, such as the Bank Secrecy Act (BSA) and the Proceeds of Crime Act 2002 (POCA).

AML case management

Alloy’s flexible case management system lets you investigate suspicious activity, collaborate with team members, and complete regulatory filings — all from a single, intuitive dashboard. With flexible queues, automatic assignment capabilities, and customizable filters, you can effectively handle and resolve alerts, investigations, and suspicious activity reports (SARs) as cases are quickly triaged to the appropriate AML, fraud, or risk function for review.

SAR filing requirements

The integrated reporting capabilities within Alloy’s case management system also enable your teams to aggregate suspicious activity data and directly eFile all SARs with FinCEN. Instead of spending valuable resources on SAR filing, Alloy relieves the burden of time-intensive manual processes, allowing you to meet your filing obligations with ease.

Sanctions screening

Knowing who you do business with is more important than ever, but keeping up with daily changes can be exhausting. Alloy’s flexible, configurable workflows allow you to set up recurring, automated checks against the most up-to-date watchlists. You can stay on top of risky customers and ensure that non-sanctioned customers aren’t inadvertently using your products or services to transact with these parties.

Alloy helps Ramp with KYB and KYC checks

When Ramp launched in 2019, they prioritized KYB and KYC checks to avoid costly mistakes and comply with their partner bank's requirements. Alloy’s flexibility enables Ramp to create workflows that map to the necessary list of requirements for auditing purposes, test different data sources, and identify mismatched criteria in minutes to take fast, appropriate actions.

• "I can trust Alloy to do a job that I can absolutely not make a mistake on. They do all the heavy lifting, which frees up my time to focus on other business challenges. Through better risk processes, we’ve been able to take on more customers and figure out ways to give our existing customers better service." — Jacob Wallenberg, Risk Operations at Ramp

Alloy provides an end-to-end identity and fraud prevention platform

Alloy arms financial institutions and fintechs with flexible identity verification software and configurable, automated solutions for credit decisioning, fraud risk management, and AML monitoring. Our extensive ecosystem of global solutions partners seamlessly integrates with your existing technology, allowing you to test, launch, and scale new products while maintaining your customers’ confidence. And it all comes together in a single dashboard — no dev work required.

Explore all aspects of Alloy — a holistic identity and fraud prevention platform

Platform components include Onboarding, Ongoing Monitoring, Fraud Prevention, Compliance Management, Credit Underwriting, and Embedded Finance.

• Onboarding
• Ongoing Monitoring
• Fraud Prevention
• Compliance Management
• Credit Underwriting
• Embedded Finance

A better onboarding experience with less fraud risk

Alloy’s identity orchestration layer enables companies to pull together over 200 data solutions and policies, providing a comprehensive and centralized view of customer risk. Automate and customize KYC, KYB, AML, and fraud checks to determine risk at onboarding, resulting in fewer manual reviews and less fraud.

• Centralized view of customer risk
• Automated KYC, KYB, AML, and fraud checks
• Fewer manual reviews and less fraud

Ongoing monitoring for fraud and compliance checks

Alloy presents onboarding information alongside ongoing account activity to compile an evolving view of customer risk. This makes it easier to flag and investigate suspicious events and file SARs to meet reporting obligations.

• Evolving view of customer risk
• Flag and investigate suspicious events
• File Suspicious Activity Reports (SARs)

Stay ahead of sophisticated fraud attacks

Alloy's codeless SDK lets you test, iterate, and implement step-up verifications for high-risk customers or transactions using your preferred vendors. This provides more fraud visibility and flexibility while maintaining a frictionless experience for low-risk customers.

• Codeless SDK for step-up verifications
• More fraud visibility and flexibility
• Frictionless experience for low-risk customers

Embrace a culture of continuous compliance

Alloy’s out-of-the-box compliance rules are based on industry best practices. Activity history for all customer actions helps meet KYB, KYC, AML, and sanctions screening obligations. Rules can trigger reverification if activity deviates from historical patterns.

• Out-of-the-box compliance rules
• Activity history for all customer actions
• Configurable rules for reverification

A faster, more progressive credit underwriting process

Alloy enables financial institutions and fintechs to use non-traditional data sources and nuanced workflows for credit underwriting. Combining this with ongoing monitoring data creates dynamic risk profiles, allowing underwriters to say yes to more good customers.

• Use of non-traditional data sources
• Dynamic risk profiles
• Progressive onboarding

Banks: Future-proof your processes

Alloy helps banks deliver a great experience throughout the customer lifecycle while reducing fraud and staying in control of identity decisions. Clients see a 33% increase in approval rates and a 48% reduction in fraud.

• 33% increase in approval rates
• 48% reduction in fraud

Fintechs: Balance risk with growth

Fintechs use Alloy to test, launch, and scale new products, achieve compliance, and avoid vendor lock-in. Alloy's ecosystem and expert guidance help reduce manual reviews and support scaling.

• Configurable solutions for compliance
• Avoid vendor lock-in
• Expert guidance and data partner ecosystem

Credit Unions: Protect members from fraud risk

Alloy serves credit unions of all sizes, helping them transform member banking experiences and financial well-being. Solutions support automated workflows, faster fraud response, and better fraud threat identification.

• Automated workflows
• Faster fraud response
• Better fraud threat identification

Security: Keep your data protected at all times

Alloy is SOC2, Type 2 certified and offers best-in-class protection for global financial institutions and fintechs. The platform is robust and resilient, ensuring fraud and compliance challenges do not slow down operations.

• SOC2, Type 2 certified
• Best-in-class protection
• Robust and resilient platform

Approve more customers with an experience they’ll approve of

Alloy Onboarding enables you to integrate over 250 data solutions with global coverage into a single workstream, allowing for automated decisions with precision. Lovers of manual reviews, you might want to look away.

• Automated onboarding with global data coverage
• Reduces manual reviews
• Supports KYC, KYB, AML, and fraud checks

A good decision that results in millions (and millions) more

Stop making so many manual decisions and let Alloy automate your onboarding process. From KYC checks to fraud prevention - we got you covered.

• Better digital experience with more automatic approvals
• Save engineering resources with our simple API
• Prevent more types of fraud by leveraging more data
• Average of 33,236 applicants auto-decisioned daily

The complexity you need, without the complications you don’t

It’s much simpler to verify customers quickly when you have the best data for the job. Running multiple data solutions simultaneously means you can verify information if it hits any service in the workflow, reducing needless document requests.

• All your data right here, right now
• Workflows that work for you (no coding required)
• Total perspective, single dashboard
• A much (much) shorter review queue
• Step-up authentication to fight fraud

Seamless business verification

Alloy’s decision engine powers instant business verification (KYB), in parallel with KYC, AML, and fraud checks on Ultimate Beneficial Owners (UBOs) and stakeholders. We verify business application data for sole proprietors, LLCs, and C corporations.

• Instant business verification (KYB)
• Parallel KYC, AML, and fraud checks on UBOs and stakeholders
• Covers sole proprietors, LLCs, and C corporations

Simple API and user interface

Design the workflow you need without any coding required. Alloy’s API platform enables you to add new data solutions and modify your workflow all from our intuitive user interface, allowing your engineering teams to focus on more valuable work.

• No-code workflow builder
• API platform for integration and workflow modification

Industry expertise every step of the way

We leverage our decade of experience with clients to help you determine the best workflows and rules tailored to your needs.

• Expert guidance on workflow and rule configuration

Confidently launch and continuously optimize risk policies

Choose from A/B testing, backtesting, and shadow testing to safely experiment with new policies before pushing them to production. Powerful analytics and visualizations help you quickly identify patterns and bottlenecks to fine-tune your decisioning logic continuously.

• A/B testing, backtesting, and shadow testing
• Analytics and visualizations for optimization

Know your users and build safer crypto products

Alloy empowers crypto companies to solve KYC, fraud, compliance, and risk via a single API. We work with on- and off-chain data sources to help you understand the individuals and businesses who want to use your crypto products. Bring a safer and more dependable product to market with Alloy.

Borderless KYC for crypto

Alloy makes identity easy. Our platform facilitates KYC and KYB at onboarding, transaction monitoring, case management, AML and sanctions screening, underwriting, fraud detection, and more. We’ve helped banks, fintechs, and crypto companies make better identity-based decisions to create a more dynamic and accessible financial industry. Build the best version of your product with the help of over 200 different data sources spanning more than 40 countries.

Centralized exchanges

Automate KYC/AML at onboarding and provide a friction-free experience to qualified applicants. Stay compliant and avoid fraud with ongoing screening and real-time insights. More (and more effective) data means you can onboard the users you want without the burden of manual checks or manual reviews. You can even underwrite users for additional products using ongoing data streams both on- and off-chain. Alloy empowers you to empower your users—safely and seamlessly.

On- and off-ramps

Gain the confidence to allow fiat and crypto to flow effortlessly. Make it convenient and easy for your users to move funds between crypto and financial institutions—without the fraud. Alloy offers a complete and detailed view into the identity of each user so you can know who is moving money where.

Payroll

Offer the flexibility and freedom to get paid in crypto using the same compliance and fraud safeguards that power today’s most ambitious banks and fintech companies. Verify individuals and businesses with ease and deliver a fully compliant experience from day one. Users can get paid in crypto, stablecoins, or local currency and enjoy the peace of mind of full KYC, KYB, AML and fraud checks.

Digital asset custody

Deliver what your clients want: a safe, secure, and compliant solution for custodying digital assets at the enterprise level. Alloy helps you to leave no stone unturned when it comes to fraud and credit risk. Use our API to access the right data and make the right decisions for your platform and users—whether individuals or institutions.

Crypto banking

Leverage the platform that hundreds of regulated financial institutions use to make identity decisions every day—but now for crypto. Alloy has helped banks, fintechs and crypto companies make better decisions based on customer insights. Our platform offers access to data sources that can unlock crypto banking or BaaS use cases through a single, easy-to-integrate API.

Wallet screening

Improve your users’ ability to spend, manage, and monitor their credit with fraud and risk controls that they’ll never know are there. An ideal user experience is possible with Alloy’s decisioning flows and ongoing monitoring. Keep a clear view of users as they use your product and make real-time decisions based on real-time data.

Partnerships built for crypto

Alloy helps you structure data sources and user flows to solve KYC, fraud, compliance, and more via a single API. 200+ data sources spanning traditional finance and crypto give you a fully transparent view of users and financial institutions. On-chain data partners like Chainalysis give you transparency on wallets and associated activities. Integrations with technology providers like Fiat Republic meet a variety of crypto use cases. Our ecosystem includes tokenization platforms like Basis Theory to encrypt sensitive data and protect users. 200+ other data sources at your disposal from fintech, banking, and beyond.

• 200+ data sources (traditional finance and crypto)
• On-chain data partners (e.g., Chainalysis)
• Integrations with technology providers (e.g., Fiat Republic)
• Tokenization platforms (e.g., Basis Theory) for encryption

See what you’re missing

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

Ongoing fraud & AML monitoring

Get a clear view of your customers’ activity with Alloy’s centralized identity and fraud prevention platform. Alloy leverages the broadest network of identity and fraud signals, enabling financial institutions and fintechs to detect and respond to fraud and compliance threats.

Combine onboarding data with ongoing fraud monitoring

Gain unique insight across onboarding, transactions, and non-monetary events data to predict fraud in new accounts. Determine the risk level of each customer at onboarding. Enable perpetual KYC and keep up with changes in your customer’s evolving risk profile by continuously monitoring their activities, getting alerted on risky behavior, and automatically taking action to mitigate it.

• Operationalize with ease using pre-built integrations with the broadest network of solutions partners
• Quickly adapt to new threats with visibility into fraud patterns across other FIs
• Enable instant decisioning and actions off the back of high-risk activity

Better monitoring starts with a better understanding of identity

Build a dynamic identity profile of your customers’ needs and risks — not just a point-in-time snapshot. The information captured during onboarding, when viewed with ongoing transaction and account activity, creates an evolving customer profile.

• Holistic view of customer risk
• Flexible monitoring to fit your needs (batch or real-time API monitoring)
• Case management made easy
• Make your own rules (no-code configuration, testing, and updating)

See how it works

Get set up quickly with off-the-shelf rules. Choose from tried-and-tested rules to detect fraud and financial crime or customize your own workflow from scratch. Test and optimize rules. Understand the impact of your rules and simulate scenarios before pushing to production. Perpetual KYC. Automate recurring KYC, KYB, and sanctions checks using customized rules based on customers' dynamic risk ratings and ongoing activity. Investigate suspicious activity. Built-in case management allows you to quickly triage cases to the appropriate teams, freeze/unfreeze accounts in response to suspected fraud and complete regulatory filings — all from a single, intuitive interface. View activity history for auditing and compliance. Alloy provides an audit history for all actions your customers take, allowing you to easily meet BSA and AML requirements.

• Off-the-shelf and customizable rules
• Rule testing and optimization
• Automated recurring KYC, KYB, and sanctions checks
• Case management and regulatory filings
• Audit history for compliance

Frequently asked questions

• What is Alloy’s ongoing monitoring solution?
• Can I monitor both transactions and non-monetary activity with Alloy?
• What is perpetual KYC, and how does Alloy support it?
• How does Alloy support AML compliance and SAR filing?
• Does Alloy provide a full audit trail for monitoring activity?

Solve embedded finance compliance and fraud risk

Alloy empowers embedded finance providers — such as sponsor banks and BaaS providers — to enforce compliance and risk controls at scale across their partner portfolios on a fully auditable platform, while enabling fintechs to build on those requirements to create better customer experiences.

Alloy works with sponsor banks, BaaS providers, and fintechs to fight fraud and stay compliant.

Showcases logos of partner banks and fintechs using Alloy for embedded finance risk management.

• 1st Bank
• BankProv
• Grasshopper Bank
• Highnote
• Marqeta
• Sila
• Treasury Prime
• Live Oak Bank

A holistic identity and fraud prevention platform for bank/fintech partnerships

Describes the platform’s ability to provide a holistic view of risk, enforce policies at scale, and offer deep analytics and reporting.

• Cloneable, no-code risk policy rulesets
• Single dashboard for risk management
• Aggregated analytics and reporting
• Customizable controls per partner

Be in control

Build and enforce risk policies at scale with cloneable rulesets – no coding required. Eliminate potential blind spots with a single dashboard that provides a holistic view of risk across your entire partner portfolio. Aggregated analytics give you deeper insights into partner performance and enable you to efficiently meet audit and reporting requirements.

Scale your embedded finance programs

Orchestrate custom risk policies for all of your fintech partners with access to the broadest network of partner solutions in-market. With over 200 data solutions (and counting), our partner ecosystem provides unlimited optionality, allowing you to future-proof your programs for changing regulations, evolving threats, and scaling growth.

Customize and collaborate with your partners

Do away with ‘one-size-fits-all’ compliance and tailor controls based on a partner’s product type and maturity. Empower your partners by giving them visibility into their policies and performance so they can continue delivering a differentiated customer experience.

Get started with complimentary audit access to our embedded finance solution

Learn how Alloy can give you visibility into your fintech partners’ policies and end customer activity.

Transforming your risk management for embedded finance

Sponsor banks and fintechs have different priorities when onboarding new customers — but those priorities don’t have to compete. Alloy's Chief Product Officer, Parilee Edison Wang, does a deep dive into the Alloy for Embedded Finance product and shares why it will be a game-changer for all players in the embedded finance ecosystem.

How Alloy works

We empower embedded finance providers to operate fully compliant programs at scale while mitigating fraud.