Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 21 companies across 1 category.
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Alloy started in 2015 as an identity-decisioning API to help banks and fintechs orchestrate KYC vendors during onboarding. Post-2021 Series C, the company expanded across the customer lifecycle — adding transaction monitoring, perpetual KYC/KYB, and AML case management — repositioning as a full identity/fraud/compliance platform. Its most recent push is embedded finance oversight (giving sponsor banks a dashboard across fintech partners) and agentic AI to automate case review.
Other KYC providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/alloy/install" width="1" height="1" alt="" style="display:none">21 companies disclose Alloy in their stack in the Embedded Finance Index 2026, including Cambridge Savings Bank, Consumers Credit Union, Coast, Paintbrush, Red Canoe Credit Union, Live Oak Bank, Jovia Financial Credit Union, Grasshopper Bank, IncredibleBank, Stash and 2 others.
Alloy is an embedded-finance provider in KYC. It ranks #7 of 64 KYC providers by disclosed buyers.
The most-disclosed KYC alternatives to Alloy are Sumsub (40 buyers), Onfido (35 buyers), Veriff (35 buyers), Persona (33 buyers), Stripe (24 buyers) and Socure (23 buyers).
Alloy was founded by Tommy Nicholas, Laura Spiekerman and Charles Hearn and is founded in 2015, headquartered in New York, NY, USA.
Alloy has raised $216.7M in total.
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