Alloy

Alloy doesn't verify identities itself, it orchestrates the vendors that do. One API call can trigger KYC on a person, KYB on their business, ultimate-beneficial-owner checks, sanctions screening, and document verification, routed across a marketplace of 270+ data partners (the Personas, Middesks, and Socures of the world) with a rules engine deciding which checks to run, in what order, and what to do with a borderline result. Over 700 banks and fintechs run onboarding through it.

So why is it in a payroll-fraud directory? Because if your company onboards contractors, vendors, or gig workers at real volume, and you've already outgrown a single verification vendor, the orchestration layer is the thing that stops you hand-stitching four APIs together. Alloy's waterfall logic also cuts verification spend: run the cheap check first, only escalate the maybes to the expensive document check. In January 2026 it added perpetual KYB, re-checking businesses continuously instead of once at onboarding, which is exactly the pattern that catches a legit vendor quietly turning into a shell.

Be honest with yourself about scale, though. Alloy is priced for financial institutions and admits no published pricing; reviewers consistently describe it as expensive for small companies. If you onboard a dozen contractors a month, you don't need an orchestration layer, you need one good verification vendor. This listing is for the reader whose onboarding volume has made vendor sprawl the actual problem.