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An identity and fraud decisioning platform that runs KYC, KYB, sanctions screening, perpetual monitoring and transaction monitoring through one workflow over 300+ data vendors.
Alloy scores 2.7 out of 5 (54 out of 100) in the Buckingham Intelligence Identity Verification and Transaction Monitoring Index 2026 and ranks 10 of 13. It is strongest for US banks, credit unions and lenders orchestrating many data vendors, with 5 out of 5 for coverage. Not published or not stated on the pages read: pricing, data protection, integration and regulatory standing.
Scores from the Identity Verification and Transaction Monitoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 54 | 11 of 13 |
| For crypto firms | 55 | 10 of 13 |
| For lenders and marketplaces | 52 | 9 of 13 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US banks, credit unions and lenders orchestrating many data vendors.
What Alloy publishes on its own pages, read on 22 October 2026.
An identity and fraud decisioning platform that runs KYC, KYB, sanctions screening, perpetual monitoring and transaction monitoring through one workflow over 300+ data vendors. It holds SOC 2 Type 2 and states 900+ financial clients. It does not publish prices or country coverage.
| Fact | What the provider publishes |
|---|---|
| Coverage | KYC (CIP, CDD, EDD), KYB with beneficial owners, sanctions and PEP screening, perpetual KYC and KYB, and transaction monitoring covering "P2P, ACH, RTP/FedNow, stablecoin, wire, and card". |
| Pricing | Not published on the pages read. |
| Global reach | "300+ data solutions"; no country or document counts. |
| Integration | SDK, developer hub with APIs; "One API call can trigger AML, KYB, and KYC checks"; partners MANTL, nCino and Narmi. |
| Regulatory standing | "SOC 2 Type 2 certified." "Trusted by 900+ financial organizations"; named clients include Brex and Jovia Financial. |
| Data protection | Hosted on AWS with the data centre "in the United States"; encrypted backups kept 30 days; no client retention controls published. |
| Date read | 22 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 22 October 2026 from: alloy.com/onboarding, alloy.com/security.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Identity Verification and Transaction Monitoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Sumsub | 4.7 | 1 of 13 | Payment, e-money and crypto firms wanting one platform with published prices |
| Shufti | 4.3 | 2 of 13 | Firms needing the widest published country and watchlist coverage |
| iDenfy | 4.3 | 3 of 13 | Smaller payment and crypto firms wanting published prices and EU data storage |
| Veriff | 4.2 | 4 of 13 | Firms needing wide document coverage with published self-serve prices |
| Socure | 3.5 | 5 of 13 | US firms wanting published startup pricing and bank-grade credentials |
| Ondato | 3.5 | 6 of 13 | EU firms wanting published volume price ranges |
| ComplyAdvantage | 3.0 | 7 of 13 | Firms needing screening and monitoring with a published price table |
| Trulioo | 2.9 | 8 of 13 | Payment firms verifying people and businesses across many countries |
| Persona | 2.9 | 9 of 13 | Firms wanting US or EU data residency and strong security credentials |
| Jumio | 2.7 | 11 of 13 | Large firms needing document checks at scale |
| Sardine | 2.3 | 12 of 13 | Payment and crypto firms combining fraud and AML in one system |
| Entrust (formerly Onfido) | 2.1 | 13 of 13 | Firms wanting a no-code onboarding builder with watchlist reports |
Full Identity Verification and Transaction Monitoring Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Alloy is compared with its alternatives in the table above.
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