Alloy

aid: alloy
name: Alloy
description: >-
  Alloy is a New York-based identity decisioning platform that helps banks,
  credit unions, and fintechs onboard, monitor, and protect customers across
  KYC, KYB, AML, fraud, credit, and ongoing-monitoring use cases. The Alloy API
  exposes the platform's evaluations, journey applications, entities, events,
  documents, cases, investigations, lists, and webhooks for programmatic
  identity decisioning and ongoing risk monitoring.
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Identity Decisioning
  - Identity Verification
  - KYC
  - KYB
  - AML
  - Fraud Prevention
  - Credit Underwriting
  - Ongoing Monitoring
  - Case Management
  - Fintech
  - Banking
url: https://raw.githubusercontent.com/api-evangelist/alloy-com/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.19'
apis:
  - aid: alloy:alloy
    name: Alloy API
    description: >-
      Identity decisioning API for KYC, KYB, AML, fraud, credit underwriting,
      and ongoing monitoring. Organized around evaluations, journeys and journey
      applications, person and business entities, bank accounts, documents,
      events, cases, investigations, custom lists, and webhooks.
    humanURL: https://developer.alloy.com/public/reference
    baseURL: https://api.alloy.co/v1
    tags:
      - Identity Decisioning
      - KYC
      - KYB
      - AML
      - Fraud Prevention
      - Credit Underwriting
      - Ongoing Monitoring
      - Case Management
      - Investigations
      - Webhooks
    properties:
      - type: Documentation
        url: https://developer.alloy.com/public/docs
      - type: APIReference
        url: https://developer.alloy.com/public/reference
      - type: GettingStarted
        url: https://developer.alloy.com/public/docs/introduction
      - type: Authentication
        url: https://developer.alloy.com/public/docs/authentication-guide
      - type: OpenAPI
        url: openapi/alloy-openapi.yml
      - type: NaftikoCapability
        url: capabilities/alloy-evaluations.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-journeys.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-entities.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-events.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-cases.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-investigations.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-documents.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-lists.yaml
      - type: NaftikoCapability
        url: capabilities/alloy-oauth.yaml
      - type: Webhooks
        url: https://developer.alloy.com/public/docs/webhooks
      - type: Webhooks
        url: https://developer.alloy.com/public/docs/webhook-events
      - type: SDK
        url: https://developer.alloy.com/public/docs/sdk-installation
        x-name: Alloy Web SDK
      - type: SDK
        url: https://developer.alloy.com/public/docs/ios-webview
        x-name: Alloy iOS Webview SDK
      - type: SDK
        url: https://developer.alloy.com/public/docs/android-webview
        x-name: Alloy Android Webview SDK
common:
  - type: Website
    url: https://www.alloy.com/
  - type: Portal
    url: https://www.alloy.com/developer
  - type: Documentation
    url: https://developer.alloy.com/public/docs
  - type: APIReference
    url: https://developer.alloy.com/public/reference
  - type: LLMsTxt
    url: https://developer.alloy.com/llms.txt
  - type: Login
    url: https://app.alloy.co/login/
  - type: SignUp
    url: https://www.alloy.com/contact
  - type: Pricing
    url: https://www.alloy.com/contact
  - type: TermsOfService
    url: https://www.alloy.com/tos
  - type: PrivacyPolicy
    url: https://www.alloy.com/privacy-policy
  - type: Security
    url: https://www.alloy.com/security
  - type: StatusPage
    url: https://status.alloy.com/
  - type: Support
    url: https://help.alloy.com
  - type: Blog
    url: https://www.alloy.com/blog
  - type: ContentLibrary
    url: https://www.alloy.com/content-library
  - type: Training
    url: https://alloy.docebosaas.com/learn/signin
    x-name: Alloy LAB
  - type: GitHubOrganization
    url: https://github.com/UseAlloy
  - type: LinkedIn
    url: https://www.linkedin.com/company/alloy/
  - type: Plans
    url: plans/alloy-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/alloy-rate-limits.yml
  - type: FinOps
    url: finops/alloy-finops.yml
  - type: Features
    data:
      - name: Identity
        description: Verify person and business identities against 270+ data
          sources across 195 markets.
      - name: Onboarding
        description: Configurable Journeys orchestrate KYC, KYB, document
          verification, and step-up review for new customer acquisition.
      - name: Ongoing Monitoring
        description: Perpetual KYC and event-driven monitoring across logins,
          credential updates, transactions, and account changes.
      - name: Fraud
        description: Machine-learning Fraud Signal and integrated device-risk
          providers detect fraud across onboarding and post-onboarding events.
      - name: Credit
        description: Credit underwriting and policy management with Journey-
          based decisioning.
      - name: Case Management
        description: Cases, evidences, and works support compliance review and
          dispute workflows.
      - name: Investigations
        description: Investigation lifecycle with alerts tied to journey
          applications and assignable agents.
      - name: Custom Models and Attributes
        description: Bring custom ML models and published attributes into
          Alloy workflows for tenant-specific decisioning logic.
      - name: Webhooks
        description: Real-time notifications for journey, case, and
          investigation events with Basic, HMAC, and OAuth 2.0 auth.
      - name: SDKs
        description: Web, iOS Webview, and Android Webview SDKs for embedding
          Alloy's document verification and step-up flows.
  - type: UseCases
    data:
      - name: Consumer Onboarding (KYC)
        description: Verify individual consumers during account opening for
          banks, neobanks, and consumer fintechs.
      - name: Business Onboarding (KYB)
        description: Verify businesses and beneficial owners for SMB banking,
          payments, and lending products.
      - name: AML Compliance
        description: Screen against sanctions, PEP, and adverse-media lists and
          monitor ongoing activity for AML risk.
      - name: Fraud Prevention
        description: Detect synthetic identity, account takeover, and
          transaction fraud across onboarding and post-onboarding.
      - name: Credit Underwriting
        description: Run credit decisioning Journeys for lending and BNPL
          products.
      - name: Embedded Finance Risk
        description: Sponsor banks orchestrate fintech program risk through
          configurable Journeys and ongoing monitoring.
      - name: Perpetual KYC
        description: Continuously re-evaluate customers against fresh data
          using ongoing monitoring events.
  - type: Integrations
    data:
      - name: Socure
        description: Digital identity and device intelligence integration.
      - name: Experian FraudNet
        description: Device risk and fraud signals integration.
      - name: TruValidate (Iovation)
        description: Device risk integration.
      - name: NeuroID
        description: Behavioral risk integration.
      - name: BioCatch
        description: Behavioral biometrics integration.
      - name: ThreatMetrix
        description: Device risk and fraud signals integration.
      - name: SAML SSO
        description: Identity provider integrations for Okta, Azure AD, ADFS,
          JumpCloud, and generic SAML 2.0.
      - name: SCIM
        description: User provisioning integrations for Okta and Azure.
  - type: Solutions
    data:
      - name: Banks and Credit Unions
        description: Identity and fraud platform for traditional financial
          institutions.
      - name: Fintechs
        description: Onboarding and risk platform for consumer and business
          fintechs.
      - name: Sponsor Banks
        description: Embedded finance program risk management for sponsor
          banks supporting fintech programs.
  - type: Certifications
    data:
      - name: SOC 2 Type 2
        description: Independently audited security controls covering product,
          infrastructure, and policies.
maintainers:
  - FN: Kin Lane
    email: [email protected]