Alloy

82% fewer false positives. 73% of fraud dollar losses caught while alerting on just 0.5% of users. These are the kinds of outcomes Alloy clients are seeing with Fraud Signal, our proprietary machine learning model that scores customers for fraud risk across their entire lifecycle. https://okt.to/r6k3Y9

🥳 We're proud to be named one of American Banker's Best Fintechs to Work For 2026, a list recognizing companies investing in flexibility, growth, and well-being. https://okt.to/gh09qW

Modulr has selected Alloy to power perpetual KYC and KYB verification across its new Risk & Compliance Hub, orchestrating checks from a broad network of providers into a single decisioning layer. As Modulr scales into new markets, Alloy gives their teams the speed and control to onboard customers quickly without compromising compliance rigour. https://okt.to/d3nfLC

When Hurricane Milton knocked out power and internet across Florida's Gulf Coast in October 2024, fraudsters bet that more than a million Suncoast Credit Union members would stop watching their accounts. Suncoast caught the account-takeover spike on Alloy's dashboards before members noticed anything was wrong. This American Banker piece goes deep on the three-year shift from point-in-time identity checks at account opening to always-on monitoring across 269 million logins a year. Thanks to Carter Pape for the thoughtful reporting. https://okt.to/BFcIrT

Suncoast Credit Union used Alloy across the entire member lifecycle and reduced fraud losses by 35% YoY while growing membership by 8%. Read how Florida’s largest credit union turned fraud prevention strategy into a competitive advantage: https://okt.to/86RCJw

What does it actually take to build perpetual KYB? Grace Liu, Senior Product Director at Alloy, shares how we turned pKYB from an industry-wide vision into a real, working system, one that detects, verifies, and acts on business risk changes in real time, without adding operational overhead. From solving complex entity matching to orchestrating selective verification and automating risk recalculation, this is a behind-the-scenes look at what it took to make continuous KYB possible. https://okt.to/OQ2n4M

Our own Sara Seguin joined a fraud panel at S&P Global's Community Bankers Conference in Texas last week, sharing the stage with speakers from Q2, Five Star Bank, and the Federal Bureau of Investigation (FBI). One theme kept surfacing: in a world running on AI, the personal context community banks bring is becoming a real competitive edge.

Organized fraud rings increasingly target community banks and credit unions through synthetic identities, credential compromise, and account linking abuse. Today we're welcoming Certos, a unified portfolio of fraud and identity risk solutions from Early Warning, into our partner solutions network, bringing community and regional FIs the same threat intelligence used by the largest U.S. financial institutions. https://okt.to/OW6wGa

🗣️ The market is flooded with AI tools, but most institutions are still figuring out what actually belongs in their stack. That was the conversation at the Safeguard Events AI Deepdive Retreat last week, where our CEO Tommy Nicholas joined Esty Scheiner, CISSP, OSCP (Shiboleth.ai (YC W24)) onstage with Filip Verley moderating. A sharp discussion on the gap between AI investment and outcomes, build vs. buy in the AI age, and what customers are actually getting right (and wrong) about bringing agents into production.

What does a fully agentic KYB stack look like? Mike Luby, Engineering Manager for Agentic AI, sat down to explain how Alloy's AI Assistant is evolving from a single-step reviewer into a true copilot across the entire business entity lifecycle—with full context, auditability, and configurable guardrails built in. https://okt.to/ZW4yar