Alloy
Alloy is a New York-based identity decisioning platform that helps banks, credit unions, and fintechs onboard, monitor, and protect customers across KYC, KYB, AML, fraud, credit, and ongoing-monitoring use cases. The Alloy API exposes the platform's evaluations, journey applications, entities, events, documents, cases, investigations, lists, and webhooks for programmatic identity decisioning and ongoing risk monitoring.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Alloy the way a machine reads it — 52 machine-readable artifacts across 17 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Alloy scores 52.4/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Alloy
Each block below is one kind of artifact we hold for Alloy. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 17
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Alloy Bank Accounts API
Bank account records and related entity history.
Alloy Batches API
Batch processing of journey applications and evaluations.
Alloy Cases API
Case management, evidences, and review work items.
Alloy Custom Lists API
Tenant-defined reference lists with versioning and activation.
Alloy Documents API
Uploaded identity, address, and supporting documents for entities.
Alloy Entities API
Person and business entities, notes, merging, feedback, and groups.
Alloy Evaluations API
Run, retrieve, and audit identity, KYC, KYB, AML, fraud, and credit evaluations.
Alloy Events API
Real-time monitoring events for entities, accounts, transactions, and logins.
Alloy Groups API
Entity groups and group-level evaluations.
Alloy Investigations API
Investigation lifecycle, assignment, review, archival, and types.
Alloy Journeys API
Multi-step decisioning journeys, applications, batches, and reviews.
Alloy Lists API
Built-in watchlist-style lists and list metadata.
Alloy OAuth API
OAuth 2.0 bearer token issuance and validation.
Alloy Parameters API
Tenant-level parameters for evaluations and journeys.
Alloy Portfolio Evaluations API
Bulk re-evaluations across a portfolio of entities.
Alloy Published Attributes API
Custom attributes published from external systems and used in policy.
Alloy Reviews API
Manual review notes and decisions on entities.
Scroll within the panel for all 17 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Alloy API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Alloy Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Alloy Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Alloy Finops
FINOPSFeatures 10
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Identity
Verify person and business identities against 270+ data sources across 195 markets.
Onboarding
Configurable Journeys orchestrate KYC, KYB, document verification, and step-up review for new customer acquisition.
Ongoing Monitoring
Perpetual KYC and event-driven monitoring across logins, credential updates, transactions, and account changes.
Fraud
Machine-learning Fraud Signal and integrated device-risk providers detect fraud across onboarding and post-onboarding events.
Credit
Credit underwriting and policy management with Journey- based decisioning.
Case Management
Cases, evidences, and works support compliance review and dispute workflows.
Investigations
Investigation lifecycle with alerts tied to journey applications and assignable agents.
Custom Models and Attributes
Bring custom ML models and published attributes into Alloy workflows for tenant-specific decisioning logic.
Webhooks
Real-time notifications for journey, case, and investigation events with Basic, HMAC, and OAuth 2.0 auth.
SDKs
Web, iOS Webview, and Android Webview SDKs for embedding Alloy's document verification and step-up flows.
Scroll within the panel for all 10 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 7
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Consumer Onboarding (KYC)
Verify individual consumers during account opening for banks, neobanks, and consumer fintechs.
Business Onboarding (KYB)
Verify businesses and beneficial owners for SMB banking, payments, and lending products.
AML Compliance
Screen against sanctions, PEP, and adverse-media lists and monitor ongoing activity for AML risk.
Fraud Prevention
Detect synthetic identity, account takeover, and transaction fraud across onboarding and post-onboarding.
Credit Underwriting
Run credit decisioning Journeys for lending and BNPL products.
Embedded Finance Risk
Sponsor banks orchestrate fintech program risk through configurable Journeys and ongoing monitoring.
Perpetual KYC
Continuously re-evaluate customers against fresh data using ongoing monitoring events.
Scroll within the panel for all 7 ·
Integrations 8
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Socure
Digital identity and device intelligence integration.
Experian FraudNet
Device risk and fraud signals integration.
TruValidate (Iovation)
Device risk integration.
NeuroID
Behavioral risk integration.
BioCatch
Behavioral biometrics integration.
ThreatMetrix
Device risk and fraud signals integration.
SAML SSO
Identity provider integrations for Okta, Azure AD, ADFS, JumpCloud, and generic SAML 2.0.
SCIM
User provisioning integrations for Okta and Azure.
Scroll within the panel for all 8 ·
Solutions 3
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Banks and Credit Unions
Identity and fraud platform for traditional financial institutions.
Fintechs
Onboarding and risk platform for consumer and business fintechs.
Sponsor Banks
Embedded finance program risk management for sponsor banks supporting fintech programs.
Resources
Every other property we hold for Alloy — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 3
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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