Alloy Embedded vs Signicat Identity Proofing
Alloy Embedded
alloy.com
Signicat Identity Proofing
signicat.comSide by side
| Figure | Alloy Embedded | Signicat Identity Proofing |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · KYC Software | 8.0 (#8) | 7.4 (#18) |
| Founded | 2015 | 2006 |
| Headquarters | New York, New York, United States | Trondheim, Norway |
| Integrations | Alloy describes an API-first architecture and low-code SDKs for embedding its tools into BaaS stacks, including integrations with payment processors, card issuers, and ledgering platforms. | Document verification services listed in the documentation include Signicat PictureID, ReadID and VideoID, plus Onfido and WebID, accessible through the Assure API. |
| Intended users | The product is presented for sponsor banks, BaaS providers, and fintechs. | The documentation identifies banking and finance among the industries that use its identity document and biometric verification solution for onboarding. |
| Pricing | The opened embedded finance page offers complimentary audit access and invites visitors to discuss their needs; it does not state a product price. | Signicat quotes pricing based on the selected products, with setup, subscription and transaction fees possible; transaction prices depend on identity methods and volume. |
| Purpose | Alloy for Embedded Finance helps sponsor banks and BaaS providers enforce compliance and risk controls across partner portfolios. | Identity Proofing automates real-time identity checks as part of digital customer onboarding. |
| 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. | Signicat says its operations, systems, development and processes comply with ISO/IEC 27001:2022 and ISO/IEC 27018:2019. |
| Support | The product page invites prospective customers to schedule a demo and says Alloy will discuss their needs and answer questions. | Signicat advertises dedicated customer service and support and directs customers to contact its support team. |
Plans
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.
Signicat Identity Proofing
Signicat Identity Proofing has no write-up on Specifiction yet; its figures are above.