Alloy provides financial institutions and fintech companies with a unified platform for identity risk and fraud management. It combines data from more than 200 sources with machine-learning models to evaluate applicants, customers, accounts, and transactions in real time. The platform can identify suspicious identities, account takeovers, new-account fraud, and other forms of financial crime while helping legitimate customers move through onboarding with less friction. Its fraud capabilities cover the customer lifecycle rather than focusing only on the initial application. Alloy's Fraud Signal uses AI and machine learning to identify suspicious patterns, while its risk decisioning infrastructure allows financial institutions to configure rules, signals, and automated decisions. Alloy also supports identity verification, credit decisioning, compliance workflows, and ongoing fraud monitoring, making it particularly useful for banks, lenders, neobanks, and fintech platforms.