Identity Verification
Alloy
Capability scores
Methodology →- Authentication
- 4.0
- SSO & Federation
- 2.0
- Authorization
- 2.5
- Lifecycle & Provisioning
- 2.5
- MFA & Passwordless
- 3.0
- Governance & Audit
- 4.5
- Developer Experience
- 4.0
- Deployment Flexibility
- 4.0
- Pricing Transparency
- 3.0
- Support & Ecosystem
- 3.5
Scored 0–5 against a published rubric. Independent analysis, no vendor sponsorship.
Overview
Alloy is an identity and fraud decisioning platform that orchestrates dozens of data sources behind one API, widely used by banks and fintech for onboarding and ongoing risk.
Capability deep-dive
Orchestration, a large data-source ecosystem, and strong decisioning are the strengths, letting teams tune and swap providers. It is a platform, so you still supply or select underlying data vendors.
Pricing
Quote-based.
Bottom line
A leading orchestration layer for identity and fraud decisioning in financial services.
Independent editorial review. Author: Deepak Gupta. Last evaluated 2026-06-10.