Alloy

Alloy is an orchestration platform for fraud and risk providers that brings more than 200 sources of risk and transaction data into a single API. It was founded in 2015 and covers the United States, the United Kingdom, the EU, Latin America and Asia-Pacific (195 countries, according to the company).

Products - Identity and fraud decision engine; - Transaction monitoring; - Credit and risk orchestration; - More than 200 data connectors.

How it is used The platform lets a risk team build cascading anti-fraud rules from dozens of vendors, such as SEON, Socure, Sift and LexisNexis, without writing code. A bank or fintech can send an applicant through cheaper checks first and call costlier vendors only when needed, and change the sequence without a new integration.

Commercial model Enterprise SaaS.

Who it suits Banks, fintechs and lenders that already buy data from several vendors and want a single decision layer with one audit trail. Pricing and the exact list of connectors should be requested from Alloy.