The short answer
Fourthline and Alloy are both compliance tools. They overlap on KYC and Identity verification. Neither has a clear edge on the figures we track (entry price, review ratings, integrations, frameworks, customers). Best fit: Fourthline for european banks and neobanks that need KYC, AML and re-KYC from one vendor and Alloy for banks needing one decisioning layer across onboarding and account servicing. Shortlist on fit, then compare quotes for the same scope.
Which should you choose?
Choose Fourthline if…
- you're among european banks and neobanks that need KYC, AML and re-KYC from one vendor
- you're among neobrokers and crypto platforms onboarding across many EU countries
- you're among teams preparing for the EU AML Regulation in July 2027
- this Alloy drawback matters to you: pricing is quote-based, so buyers cannot estimate a standard subscription from an official rate card
Choose Alloy if…
- you're among banks needing one decisioning layer across onboarding and account servicing
- you're among fintechs that need configurable KYC, KYB and fraud workflows without maintaining many point integrations
- you're among credit unions modernizing identity verification, fraud controls and ongoing monitoring
- this Fourthline drawback matters to you: no public pricing, and built for enterprise volumes
At a glance
| Attribute | Fourthline | Alloy |
|---|---|---|
| Starting price | Custompricing as of Nov 2026 | From $25K/yrpricing as of Oct 2026 |
| Pricing model | Enterprise contract, volume-based | Annual subscription, quote-based |
| Free trial | No public free trial is listed; contact sales for a demo. | No public free trial is stated on Alloy's official product pages. |
| Founded | 2017 | 2015 |
| Headquarters | Amsterdam, Netherlands | New York, NY |
| Funding | Up to €65M tied to the Veridas merger (November 2026); earlier rounds from Finch Capital | $216.7M |
| Frameworks | EU AMLD and AMLR, GDPR, eIDAS; ISO/IEC 27001:2022, ISAE 3000 | Bank Secrecy Act (BSA), FATF standards and UK Proceeds of Crime Act 2002 (POCA) |
| Coverage | Locally compliant in 30+ jurisdictions; Europe-first | 250+ identity data integrations; 300+ solution partners |
| Integrations | REST API, web and mobile SDKs, Postman collections | 300+ solution partners |
| Customers | Revolut, N26, Trade Republic, Qonto, Rabobank, Bitpanda | 900+ financial institutions and fintechs |
| Focus | KYC and AML for banks and fintechs | Financial crime and identity risk |
Figures are as published by each vendor or review site on the verification date. "Leads" marks the stronger published figure; it isn't a recommendation on its own.
Where each one leads
Neither tool has a clear edge on the figures we can compare directly (entry price, review rating, integrations, frameworks, customers, free trial).
Pricing compared
Fourthline pricing
Custom · pricing as of Nov 2026
Plan-level pricing not published.
Fourthline does not publish pricing. It licenses its platform to regulated institutions based on verification volume and the modules selected.
Free trial: No public free trial is listed; contact sales for a demo.
Alloy pricing
From $25K/yr · pricing as of Oct 2026
- PlatformCustom
Core risk decisioning and orchestration
Configurable workflows, policy logic, identity and fraud data orchestration, decisioning and audit trails
- OnboardingCustom
Consumer and business acquisition
KYC, KYB, AML and fraud checks, risk-based routing, step-up verification and manual review
- Ongoing monitoringCustom
Lifecycle risk management
Perpetual KYC and KYB, transaction and non-monetary event monitoring, alerts and account actions
- ComplianceCustom
Financial-crime operations
AML monitoring, sanctions and watchlist workflows, case management, investigations and regulatory filings
Alloy does not publish standard plan prices; sales discussions determine the package and data usage. Software Advice lists Alloy from $25,000 per year, but this is a third-party benchmark rather than an official price sheet. Actual cost can vary with applicant and account volume, jurisdictions, selected partners, monitoring needs and modules.
Free trial: No public free trial is stated on Alloy's official product pages.
Key capabilities
Fourthline
- Identity verification. Document and biometric checks with liveness and NFC chip reading, covering 3,500+ document types.
- AML screening and monitoring. Sanctions, PEP and adverse media screening at onboarding and on an ongoing basis.
- Re-KYC and remediation. Refreshes customer files for existing books of clients, including periodic and event-driven reviews.
- Fraud detection. Flags synthetic identities, document tampering and other onboarding fraud signals.
- Qualified electronic signatures. QES issued through Fourthline's Swedish subsidiary, a qualified trust service provider since August 2026.
- Digital proof of address. Verifies a customer's address digitally as part of onboarding.
- Investigations and case review. CDD reporting and a case review portal for analysts working alerts and escalations.
Alloy
- KYC and KYB. Automates consumer and business identity checks, risk scoring and rechecks across onboarding and ongoing relationships.
- AML monitoring. Applies configurable and out-of-the-box rules to detect typologies such as structuring, funneling and money-mule activity.
- Fraud prevention. Combines identity, device, behavioral and transaction signals with configurable friction and step-up actions.
- Perpetual KYC. Continuously refreshes customer information and triggers new checks when risk, behavior or account data changes.
- Case management. Routes alerts into customizable queues for investigation, collaboration, escalation and regulatory filing workflows.
- Decision orchestration. Lets teams combine multiple data providers and risk policies in a single decisioning workflow without changing every vendor integration.
- Credit decisioning. Supports credit underwriting with consumer-credit and other risk data alongside identity and fraud signals.
Pros and cons
Fourthline
Pros
- Covers KYC, AML screening, re-KYC and fraud in one platform
- Strong roster of European fintech and bank customers
- ISO 27001 and ISAE 3000, with EU data processing
- Veridas merger adds in-house face and voice biometrics
Cons
- No public pricing, and built for enterprise volumes
- Focused on financial services, not other verticals
- Platform integration with Veridas is still in progress
- Most coverage is in Europe
Alloy
Pros
- Connects identity, fraud and compliance workflows instead of forcing teams to operate separate decisioning systems.
- Supports both consumer and business onboarding with KYC, KYB, AML and fraud signals.
- Extends risk controls beyond account opening through perpetual KYC, KYB and event monitoring.
- Its partner network lets teams combine data providers and change sources without rebuilding every workflow.
Cons
- Pricing is quote-based, so buyers cannot estimate a standard subscription from an official rate card.
- The platform is built for regulated financial services and may be excessive for organizations needing only basic identity checks.
- Automated decisions still require policy configuration, governance and analyst handling for unresolved or high-risk cases.
- Coverage and operating cost depend on selected third-party data providers, markets and transaction or applicant volumes.
How they're similar
- Both are listed in our compliance directory.
- Both list KYC and Identity verification.
How they differ
- Focus
- Fourthline: KYC and AML for banks and fintechs
- Alloy: Financial crime and identity risk
- Pricing model
- Fourthline: Enterprise contract, volume-based
- Alloy: Annual subscription, quote-based
- Starting price
- Fourthline: Custom
- Alloy: From $25K/yr
- Founded
- Fourthline: 2017
- Alloy: 2015
- Headquarters
- Fourthline: Amsterdam, Netherlands
- Alloy: New York, NY
- Funding
- Fourthline: Up to €65M tied to the Veridas merger (November 2026); earlier rounds from Finch Capital
- Alloy: $216.7M
- Listed only for this tool
- Fourthline: AML screening, Re-KYC, Fraud detection, Qualified electronic signature, Banks, Neobanks
- Alloy: KYB, AML, Fraud prevention, Sanctions screening, Perpetual KYC, Transaction monitoring +6 more
Frequently asked questions
Is Fourthline cheaper than Alloy?
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The published prices can't be compared directly (they are quote-based, use different billing units, or aren't published), so request quotes for the same scope. Fourthline: Custom (enterprise contract, volume-based). Alloy: From $25K/yr (annual subscription, quote-based). (Fourthline pricing pricing as of Nov 2026; Alloy pricing pricing as of Oct 2026.) Total cost depends on plan, company size and add-ons.
Which is better for startups, Fourthline or Alloy?
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Fourthline's published positioning doesn't single out startups; its first best-fit group is "European banks and neobanks that need KYC, AML and re-KYC from one vendor". Alloy's published positioning doesn't single out startups; its first best-fit group is "Banks needing one decisioning layer across onboarding and account servicing". Neither answer replaces a quote for your headcount and scope.
Can I switch from Fourthline to Alloy?
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Yes. They are separate products, so switching means setting up Alloy and reconnecting your systems. Check your Fourthline contract term and renewal date before you commit. Data migration tooling isn't covered in our sources, so ask Alloy whether it can import your Fourthline data.
Does Fourthline or Alloy have more integrations?
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Fourthline: REST API, web and mobile SDKs, Postman collections; Alloy: 300+ solution partners. Vendor counts are self-reported and define "integration" differently, so check that the specific systems you use are supported.
Do Fourthline and Alloy offer a free trial?
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Fourthline: No public free trial is listed; contact sales for a demo. Alloy: No public free trial is stated on Alloy's official product pages.
Go deeper
Fourthline
Compliance
Alloy
Compliance
Sources
Vendors change pricing and features often, so confirm with each vendor before buying. How we research
Fourthline
Last verified
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