Onboarding and KYC/KYB identity decisioning for banks, credit unions, and fintechs, not a bank, payments processor, or consumer lending product. Schedule a demo and Contact us are the intake. Public rate card was not found. New York City is the HQ city Alloy prints; street addresses disagree across legal pages.
What it is
Alloy is First Mile Group, Inc. d/b/a Alloy’s identity and fraud prevention platform, sold for onboarding, compliance, and fraud decisioning across the customer lifecycle. Live marketing brand on homepage, product, About, and AI Info pages is Alloy. Legal names: First Mile Group, Inc., d/b/a Alloy on Terms of Service; First Mile Group, Inc. d/b/a/ Alloy and First Mile Group, Inc. (dba Alloy) on Privacy Policy. Canonical marketing domain is https://www.alloy.com/. The confirmed public product URL for the onboarding / KYC surface used for this listing is https://www.alloy.com/onboarding (page title: KYC Onboarding Software for Banks and Fintechs | Alloy; HTTP 200 at research). Homepage headline: Full-lifecycle identity & fraud intelligence. Homepage subcopy: Alloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops fraud, and simplifies compliance across the customer lifecycle. AI Info page (structured for assistants, last updated July 2026): Name Alloy; Specialization Identity and fraud prevention platform.
The onboarding product is sold as customer and business onboarding software that unifies identity verification, fraud prevention, and compliance automation. Onboarding page: Alloy orchestrates 270+ data solutions into a single view for KYC and KYB onboarding; configurable verification workflows; AI Assistant for document verification, watchlist resolution, and KYB research; Fraud Signal and Fraud Attack Radar models at account origination; dynamic step-up verification through the Alloy SDK. FAQ on the same page: CIP basics (name, date of birth, address validation and watchlist screening), customer due diligence, enhanced due diligence when risk is elevated, plus fraud signals (device, behavior, ML identity risk scoring) in one workflow. Channels named: digital, branch, mobile, online, and call center.
This page is Alloy onboarding / KYC / identity decisioning for fintechs and banks: identity verification, KYC/KYB, CIP, and fraud/AML orchestration as Alloy markets it for account opening. Adjacent products are Alloy’s. They are not this page. Credit underwriting and lending decisioning (/fintechs and /banks solution lists), full-lifecycle fraud monitoring beyond account opening, AML transaction monitoring and case management with SAR/CTR filing (/compliance), perpetual KYC/KYB after day one, and embedded-finance sponsor-bank portfolio controls are Alloy’s. They are not this page.
Who it’s for
Shapes from Alloy’s Onboarding, Fintechs, Banks, Compliance, About, and homepage buyer sections:
- Fintechs launching and scaling account opening, which /fintechs sells as companies that automate KYC, KYB, and fraud decisioning, launch products with configurable rules and data sources, and avoid rebuilding vendor integrations as they grow. Fintechs page also names program managers that must meet sponsor-bank compliance standards for embedded finance offerings.
- Banks transforming omnichannel onboarding and identity risk, which /banks sells as institutions that automate identity decisions, connect to a broad data-partner ecosystem through one API, and (for sponsor banks) enforce compliance policies across fintech partner relationships from a single dashboard.
- Credit unions, which the homepage Who we serve block names alongside banks and fintechs, with dedicated article and case-study links on that surface.
Partner intake is Schedule a demo (homepage and product CTAs), Contact us at https://www.alloy.com/contact (form: Please fill out this quick form, and we will be in touch), and demo URLs that redirect to /contact. Contact and product footers: First, we’ll learn about your needs, answer your questions, and then see how Alloy can help. Developer Hub at https://developer.alloy.com/ (docs.alloy.com redirects there) documents Onboarding, Journeys, SDK, Events API, Entities, and Webhooks. Public pages do not describe a self-serve live production checkout. /pricing returned HTTP 404 at research.
It is a fit for a bank, credit union, or fintech that wants multi-source KYC/KYB and identity decisioning at account opening, will complete an Alloy sales conversation, and does not need Alloy to be the bank, processor, or lender.
Standout details
- Brand, domain, and product URL (as printed). Official marketing name on live pages: Alloy. Legal: First Mile Group, Inc. d/b/a Alloy. Canonical site: https://www.alloy.com/ (HTTP 200 at research). Confirmed product URL for this listing: https://www.alloy.com/onboarding. Related live URLs also used here: /fintechs, /banks, /compliance, /actionable-ai, /global, /about, /contact, /ai-info, /privacy-policy, /tos. Solutions path https://www.alloy.com/solutions redirects to the homepage. Developer Hub: https://developer.alloy.com/public/docs/introduction. No public rate card: https://www.alloy.com/pricing returned 404.
- Onboarding / KYC / KYB surface. Onboarding page markets consumer individual account opening, small-business account opening, commercial client onboarding (entity plus UBOs in one API call with AML, KYB, and KYC), and merchant onboarding (business identity, UBO, and payment-fraud signals in one workflow). How-it-works steps: configure data sources, rules, and risk thresholds; test with A/B, backtesting, and shadow testing; go live with automation; optimize over time with Alloy’s team. Step-up path: higher-risk applicants routed to automated step-up (driver’s license or biometric) via Alloy SDK; low-risk applicants stay on passive verification.
- Orchestration and data partners. Homepage and onboarding: open data ecosystem / vendor-neutral network with 270+ partner solutions; orchestration engine routes inputs, sequences vendor calls, and manages workflow dependencies. About: proprietary data orchestration layer and AI algorithms enriching datasets from over 200 sources. Fintechs Adapt section: pre-built integrations to over 200 data solutions. Those partner-count lines do not fully agree across pages; treat 270+ as the figure onboarding and homepage currently print for the orchestration network, and note About / Adapt still print over 200. Onboarding FAQ names digital onboarding platform partners MANTL, nCino, and Narmi as complements Alloy often partners with. AI Info lists a long partner roster (identity, fraud, registry, credit, and digital-banking vendors). Those names are Alloy-printed partners, not this page’s product.
- AI and models at onboarding (vendor claims). Actionable AI suite: Fraud Signal (identity-centric ML risk scores), Fraud Attack Radar (portfolio-level coordinated attack alerts at account opening), and AI Assistant (agentic document verification, watchlist resolution, KYB research grounded in policy logic, with auditable steps). Homepage outcome tiles (vendor claims, not independently audited here): 90% account openings automated; 35% decrease in fraud losses; 5x fraud savings per dollar spent; 56% increase in automated approval rate. Case-study tiles on onboarding name Brex (80% of new account openings automated), Jovia Financial (35% decrease in daily fraud volume), and Consumers (5x fraud savings per dollar spent) as Alloy-named stories.
- Ops and pricing. CTAs: Schedule a demo; Contact us form with we will be in touch. No public self-serve production signup was found on marketing pages. Developer Hub documents API and SDK integration for onboarding Journeys after you have access. Public pricing: not published. This listing does not reprint third-party procurement estimates.
- Company facts and address disagreement. Founded 2015 per AI Info, June 26, 2025 press release, and Site copyright 2015-2026 on Terms. Headquarters: New York, New York / New York City on AI Info and press; London office also named. Privacy Policy mail address: First Mile Group, Inc. (dba Alloy), 41 East 11th Street, Second Floor, New York, NY 10003. Terms DMCA agent mail address: First Mile Group, Inc. d/b/a Alloy, 88 University Place, 4th Floor, New York, NY 10003. Frontmatter headquarters uses New York, NY. Client-count lines disagree: homepage and About print over 900 organizations; /banks prints more than 800 financial institutions and fintechs; June 2025 press printed over 700 clients. Use the figures as printed on each page; do not invent a single reconciled number.
- License and FCRA posture (as printed). Privacy: enterprise clients use Alloy for onboarding, ongoing, and credit decisions about applicants and customers; Alloy may be processor of Client Customer data for Clients. Terms: not a consumer reporting agency; Services and scores must not be used as FCRA consumer-report factors for credit, insurance, employment, or similar eligibility decisions. Alloy is a technology vendor orchestrating partner data for client-controlled policies. It is not the bank charter holder and not marketed as the payments processor of record.
- Adjacent modules (YouLend-forward). This page is Alloy onboarding / KYC / identity decisioning for account opening. Adjacent products are Alloy’s. They are not this page. Credit underwriting and lending workflows on /fintechs and /banks, full-lifecycle fraud prevention beyond origination, AML transaction monitoring and FinCEN SAR e-filing on /compliance, perpetual KYC/KYB after day one, embedded-finance sponsor-bank dashboards, and global identity verification packaging at /global sit next to the core onboarding job.
Sources: alloy.com, Onboarding, Fintechs, Banks, Compliance, Actionable AI, Global identity, About, Contact, AI Info, Privacy Policy, Terms of Service, June 26, 2025 press, Developer Hub introduction.
Honest verdict
Alloy is the listing to read when the job is onboarding and KYC/KYB identity decisioning for a bank, credit union, or fintech: orchestrate multiple identity and fraud data sources, configure CIP through EDD workflows, run consumer and business account-opening checks, and step up only when risk warrants it. Alloy is not a bank, not a payments processor, and not a consumer lending brand page. The charter, underwriting, and payment rails stay with the institution or its partners. Alloy supplies the decisioning and orchestration layer.
What it is not: a published platform rate card, a self-serve live production start with no sales path, a company that holds the deposit charter, or a processor of record. Schedule a demo and Contact us are the intake. Public New York street addresses disagree between Privacy and Terms. Client-count and data-partner-count lines also disagree across current pages. If you will not complete an Alloy sales conversation, stop. If the job is KYC/KYB and identity decisioning at account opening, start here.