US-focused identity decisioning that connects 120+ data sources for onboarding and compliance, available inside your Zenoo flows.
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Alloy is a US-focused identity decisioning platform used by banks and fintechs to run risk-based verification and compliance checks against a large network of data sources. It suits US institutions that want policy-driven decisioning across KYC, fraud, and transaction monitoring signals.
Built for US banking and fintech. The platform is designed around US bank and fintech onboarding, with risk-based routing that maps to US compliance workflows.
Large data source network. Public documentation cites integrations with 120+ data sources, letting teams combine identity, credit, and fraud signals in one decision.
Policy-driven decisioning. Compliance teams can encode approval, review, and denial logic as policies, including AI-assisted review of watchlist alerts per recent product announcements.
Honest notes from community data, each with a way to cover the gap inside a Zenoo flow.
US centre of gravity. Alloy's depth is in US data sources. Teams verifying international documents at scale typically pair it with a global document verification provider, which is straightforward in a Zenoo flow.
Asynchronous decisioning. Alloy's public status history notes occasional webhook response delays affecting workflow steps. Zenoo's fallback routing and retry handling keep applicants moving if a downstream response is delayed.
Quote-based pricing. There is no public pricing, which makes early-stage cost comparison difficult. Activating through Zenoo keeps Alloy under one contract alongside your other providers.
Configure Alloy in no-code Studio, then add fallback and waterfall logic so onboarding stays live. One contract, one integration, one audit trail across every provider.
Chain these into the same Zenoo flow so one journey covers every check.
Activate Alloy from your Zenoo account. Zenoo's AI builds the connector, typically within a day. You then get fallback routing to other providers, one contract instead of a separate vendor negotiation, and a unified audit trail across every provider in your flow.
Alloy sits between the two: it aggregates 120+ data sources behind policy-driven decisioning. Inside a Zenoo flow it acts as one decisioning step, with Zenoo handling the end-to-end journey, provider fallbacks, and the audit trail across everything else in your stack.
Its strength is US data sources rather than global document verification. Most teams pair it with a global document verification provider in the same Zenoo flow when onboarding internationally.
