Alloy Embedded vs Perfios KYC/KYB
Alloy Embedded
alloy.comPerfios KYC/KYB
perfios.aiSide by side
| Figure | Alloy Embedded | Perfios KYC/KYB |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · KYC Software | 8.0 (#8) | 7.3 (#19) |
| Company | Alloy says it was founded in 2015 and lists its address as 88 University Place, 4th Floor, New York, NY 10003. | Perfios says it was established in 2008 and describes its business as serving financial institutions; a company press release says it is headquartered in Bangalore. |
| Founded | 2015 | 2008 |
| Headquarters | New York, New York, United States | Bengaluru, Karnataka, India |
| Security | Alloy states that it encrypts data in transit with TLS 1.2 and at rest with AES-256, and that it uses bcrypt for passwords. | Perfios’s Trust Center lists ISO 27001, ISO 27701, ISO 27017, CSA STAR and SOC 2 among its security and privacy certifications or frameworks. |
In their own words
Alloy Embedded
Alloy Embedded provides identity and fraud risk controls for sponsor banks, BaaS providers, and fintechs. It centralizes KYC, KYB, AML, and fraud prevention policies across fintech partners, with real-time monitoring of partner activity and transactions. A portfolio dashboard shows aggregated partner performance for oversight, audit, and reporting; sponsor banks can also set partner autonomy and guardrails through parent-child accounts. Teams can create cloneable risk rulesets without coding and tailor controls to product type and partner maturity. Fraud detection analyzes identity, behavioral, and transaction data and can flag synthetic identities, account takeovers, and mule activity. The web SDK supports document checks, phone-based identity verification, and device risk assessment. Alloy says its API-first architecture and low-code SDKs integrate with payment processors, card issuers, and ledgering platforms. Pricing is on request; the embedded finance page offers complimentary audit access. Alloy lists SOC 2 and ISO 27001:2022 among its compliance materials and says data is encrypted in transit with TLS 1.2 and at rest with AES-256.
Perfios KYC/KYB
Perfios KYC/KYB has no write-up on Specifiction yet; its figures are above.