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92
New York, USA Series C

Identity Orchestration for Global Risk Management

Alloy • Led by Tommy Nicholas

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Banks use siloed tools for KYC, AML, and fraud detection, resulting in high manual review rates and inconsistent customer experiences.

The Solution

An identity decisioning platform that orchestrates over 120 data sources into a single workflow for automated onboarding and ongoing monitoring.

⚡ Verified Impact

● Validated
Up to 90% in digital onboardingAuto-Approval Rate
50% reduction in compliance overheadManual Review
4-8 weeks for standard integrationsDeployment Time
CERTIFICATION

Silver Tier

TRL 8/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Commercially Ready

"Alloy has established itself as the infrastructure layer for identity decisioning among US neobanks and mid-sized traditional institutions. Its platform approach effectively solves the 'vendor fatigue' problem by unifying disparate data streams. Future growth depends on successfully penetrating larger Tier-1 institutions where legacy silos are more entrenched."

✅ Pros

  • Access to 120+ pre-integrated third-party data providers.
  • Highly customizable 'no-code' workflow builder for risk teams.
  • Strong adoption among top-tier neobanks and sponsor banks.

⚠️ Risks

  • Moderate gross margins compared to pure-play SaaS due to data costs.
  • Increasing competition from all-in-one fraud and AML platforms.
  • Adoption friction in Tier-1 banks with deeply embedded legacy silos.

🛠️ Use Cases

💡
Fintech Launch

Rapidly setting up a compliant onboarding stack.

💡
Sponsor Banking

Monitoring risk across multiple downstream fintech partners.

💡
Continuous Monitoring

Re-evaluating customer risk based on life-event triggers.

Market Maturity

Stop Guessing.
Know What's Deployable.

Marketing brochures look the same for TRL-3 (Concept) and TRL-9 (Proven) tech. Our radar cuts through the noise, showing you exactly if this innovation has crossed the "Pilot-to-Production" chasm.

9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 8.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • pending Operational Verification (In Progress)
Transparency

Forensic Evidence Chain

We don't just "approve" listings. We build a permanent, immutable audit trail for every verified claim. See exactly what was checked, when, and by whom.

View Sample Audit Report →

Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

Select the engagement model that fits your business needs.

🚀
Launch Pilot / POC
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💡
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⭐
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🛡️
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