Alloy Pricing and Features: KYB Provider Review

Overview

Alloy is a New York-based identity and fraud-prevention platform^[38]. It states that more than 900 financial institutions and fintechs use it, among them Navy Federal, Ally, Ramp, Brex, Marqeta and Gemini^[38].

Alloy is an orchestration layer rather than a data source. It connects to more than 300 partner data solutions, including Equifax, Experian, TransUnion, LexisNexis Risk Solutions, Socure, Mastercard and Middesk, and applies its own rules, machine-learning fraud signals and case management on top^[38]. Its compliance module covers perpetual KYC and KYB, AML and watchlist screening, case management and SAR and CTR filing, and its onboarding product handles consumer, business, commercial and merchant accounts^[38]. Transaction monitoring and credit decisioning sit on the same platform^[38]. Kyckr lists Alloy among its integration partners^[35].

Because registry and ownership data come from partners, Alloy’s KYB depth depends on which sources a customer licenses. Its home page does not describe beneficial-owner determination or quantify country coverage, and prices are not published. It ranks last here on that basis, not because of the quality of its decisioning.