Didit vs Alloy: native KYC checks vs a third-party orchestrator

Last reviewed: 25 October 2026 · Not legal advice

Teams looking for an Alloy alternative are usually banks, credit unions, fintechs, sponsor banks or crypto companies, the segments Alloy lists itself.^[7] Many already hold several identity contracts and want one provider that does the checks, returns the evidence and prices each step in public. That is the frame here.

Alloy sells an identity, fraud and compliance decisioning platform that orchestrates third-party data providers for financial institutions.^[1] We build Didit, so read this as our side. Every Alloy fact below comes from Alloy's own public pages, read on 25 October 2026, and each one is cited.

Didit vs Alloy at a glance

Alloy column: alloy.com and developer.alloy.com. Didit column: docs.didit.me.

Native checks or a stitched partner network

An orchestrator sits between you and the companies that actually check the document, the face, the watchlist and the registry. Alloy says so plainly: it integrates with 300+ solution partners covering identity verification, document checks, device intelligence, watchlists, credit data and public registries, and lets you mix and match providers and switch vendors without code changes.^[1] Its identity verification uses pre-built integrations with data providers and a waterfall that cascades through sources until verification is conclusive, and its engine combines data across providers into one unified view of each customer.^[2]

Didit takes the other route. The document reader, passive and active liveness, face match, device and IP analysis, the government database checks, AML screening, KYB and transaction monitoring run inside Didit, and wallet screening is ordered from the same account, under one data model and one API.^[29] That changes three things. There is one price list to read. There is one evidence format: every session decision returns each check's result, the extracted fields, the capture images and videos, and the warnings behind the decision, through one API call.^[29]

A native flow: every step runs and reports in Didit's own format.^[28][29]

Pricing: a public price list against a sales conversation

Didit publishes a list price for each module and charges a session only for the checks it runs. A full KYC check, with document, passive liveness, face match and device and IP analysis, costs $0.33. AML screening is $0.20, ongoing AML monitoring is $0.07 per profile per year, transaction monitoring is $0.02 per transaction, wallet screening is $0.15 a check, Document AI is $0.20 per document and business verification starts at $2.00.^[9] The workflow builder shows the price of each step while you build, so the cost of a flow is known before it goes live.^[28]

No pricing page or list prices were found on Alloy's pages reviewed, and the homepage call to action is to schedule a demo.^[8] On an orchestrated stack you also want to know what each partner check costs on top of the platform; ask Alloy for both numbers at your volume, and price the same workflow on Didit's pricing page.

Monitoring, cases and wallet screening

Alloy documents its own monitoring: out-of-the-box AML transaction-monitoring rules for structuring, funneling and rapid movement, custom no-code rules, automated interdiction that can hold transactions, and SARs and CTRs e-filed with FinCEN from its case management system.^[4] So the comparison here is how the monitoring connects to the rest of the identity record.

On Didit, transaction monitoring scores every fiat or crypto transaction against real-time rules at $0.02 per transaction and opens alerts and cases in the same console as the KYC record.^[9][10] It ships over 150 preset rules, including iGaming presets for bonus abuse and chip dumping, and you can backtest a rule against your own history before you switch it on, from the console, the API or an AI agent.^[12][13] When a rule flags a transaction, Didit can hold it and ask the user for one selfie, matched against the face they already verified.^[14] Cases end in SAR, STR and other FIU report drafts, exported as goAML XML and PDF for your team to file.^[15]

For crypto, Alloy's page says on-chain data partners give you transparency on wallets.^[5] Didit screens any crypto wallet address on demand for $0.15 per check, with a signed PDF report, and exchanges Travel Rule data in IVMS 101.^[9][11][16] Travel Rule data exchange was not documented on Alloy's pages reviewed.^[5]

Agents that do the review work

Alloy documents an AI Assistant, a native agent inside its platform for fraud investigation and KYB, KYC and AML review.^[33] Didit is agentic as well, and it opens itself to your own agents. The Investigator agent reads each verification, transaction alert or case waiting for review, writes a report with a recommendation and cites every piece of evidence it used. It decides on its own only within the policy and autonomy level your team sets, it never files a regulatory report, and every decision is logged.^[25] It runs on Didit's Growth plan and above, Didit enables it per organization, and it costs $0.20 per reviewed item. A support agent answers your users' support conversations, from $0.02 per message.

Copilot works inside the Business Console. Describe the flow you need and it builds a validated draft workflow, citing the documentation it used; it also creates questionnaires and database validation steps.^[27] Publishing requires your confirmation, and when it edits a workflow, a change card lists what changed and Undo reverts it.^[26]

An MCP server was not documented on Alloy's pages reviewed; its developer hub offers an llms.txt docs index for AI agents.^[6] Your own agents connect to Didit through the hosted MCP server at mcp.didit.me, over OAuth 2.1 with Log in with Didit, so there is no API key to paste.^[23] An agent can create, backtest and install transaction rules, then hand them to you in test mode, and it can explain why a session was declined by tracing the warning, status rule or reviewer override behind it.^[24]

A decision question answered by your agent through the Didit MCP.^[24]

Native database checks outside the US

Alloy says its KYB data comes from authoritative registries, watchlists and ownership databases, without listing which sources are integrated directly; its crypto page cites over 200 data sources spanning more than 40 countries.^[1][5] Native government ID database checks, such as a selfie matched to a registry photo, were not documented on the pages reviewed.^[7]

Didit documents each government and authoritative database check per country, with the inputs it needs and the fields it returns: 45 countries plus a global group in the catalog.^[19] Where the national register holds a photo, as in Argentina, Nigeria, Panama and South Africa, Didit matches the user's selfie against it.^[20] Didit also shows match coverage and median and 95th-percentile response time for every country and database you use.^[22]

KYB with a KYC for every owner

Alloy documents KYB and UBO verification in one API call, with KYC, AML and fraud checks running in tandem, plus perpetual KYC/KYB.^[1] Didit's business verification checks the company in registries across 220+ countries and territories, and you choose per country how much registry data you buy: company profile, shareholders, or ultimate beneficial owners. It starts at $2.00 per business.^[9][18] Didit checks each declared owner and officer against the company's own documents, then screens them and sends each one a linked KYC, run by the same engine as your consumer onboarding.^[17] Ongoing AML monitoring can be turned on for up to 1,000 customers in one API call, with a cost estimate before you commit.^[31]

Workflows and the evidence behind every decision

Alloy offers a no-code workflow builder with parameters by risk tier, channel, segment, geography or product.^[2] Didit's workflow builder is modular in the same spirit, with one difference that follows from running the checks natively: each step shows its own price while you build, branches can merge back into one path, and the editor flags a branch that contradicts the outcome it routes to, before you publish.^[28] In the sandbox, Test mode lets you pick the verification result first, so your tests can assert it.^[32]

Switching from Alloy to Didit

• List the partner checks your Alloy workflows call, and which ones you pay for separately.
• Rebuild the flow in Didit's workflow builder, or describe it to Copilot, and read the price of each step.
• Map your Alloy outcomes to Didit's Approved, Declined and In Review in your backend and webhooks.
• Run a share of new applicants through Didit and compare approval rates, fraud caught and cost on your own traffic.
• Move monitoring and wallet screening onto the same identities.

1. Day 1Open an accountSandbox and console, no quote to request.
2. Week 1Build and testWorkflow, webhooks, Test mode scenarios.
3. PilotRun in parallelA share of applicants on each stack.
4. RenewalMove the restWhen your Alloy and partner agreements allow.

A staged switch. Timing depends on your volumes and your current agreements.

How Didit helps teams switching from Alloy

Didit replaces a stitched stack with one account: native KYC, KYB, AML screening and transaction monitoring, plus wallet screening, priced per check, with agents that take review work off your team. See the Alloy alternative page for the side-by-side, the pricing page to price your flow, or the MCP page to connect your agents.

Frequently asked questions

Sources

1. Compliance, Alloy, read 25 October 2026.
2. Identity verification, Alloy, read 25 October 2026.
3. Onboarding, Alloy, read 25 October 2026.
4. AML transaction monitoring, Alloy, read 25 October 2026.
5. Crypto, Alloy, read 25 October 2026.
6. Developer hub, Alloy, read 25 October 2026.
7. Partners, Alloy, read 25 October 2026.
8. Homepage, Alloy, read 25 October 2026.
9. Pricing, Didit docs, read 25 October 2026.
10. Transaction monitoring overview, Didit docs.
11. Wallet screening, Didit docs.
12. Transaction rules API and backtesting, Didit docs.
13. Rules library, Didit docs.
14. SDK transaction submission and step-up, Didit docs.
15. FIU reports, Didit docs.
16. Travel Rule, Didit docs.
17. Key people, Didit docs.
18. KYB supported countries and data tiers, Didit docs.
19. Database validation supported countries, Didit docs.
20. Non-document lookup and registry photo match, Didit docs.
21. Nigeria BVN, Didit docs.
22. Database validation overview, Didit docs.
23. MCP server overview, Didit docs.
24. MCP tools, Didit docs.
25. Investigator agent, Didit docs.
26. September 2026 changelog, Didit docs.
27. August 2026 changelog, Didit docs.
28. Workflows, Didit docs.
29. Retrieve session, Didit docs.
30. New pricing from 1 November 2026, Didit blog.
31. Ongoing AML monitoring by API, Didit docs.
32. July 2026 changelog, Didit docs.
33. Actionable AI, Alloy, read 25 October 2026.

Alloy and its marks belong to their owner; references here are nominative, for comparison only, and imply no affiliation. To compare on your own traffic, the Alloy alternative page has the side-by-side and the steps to start.