The short answer
Predicate and Alloy are both compliance tools. They overlap on AML, KYC, KYB and Sanctions screening. Neither has a clear edge on the figures we track (entry price, review ratings, integrations, frameworks, customers). Best fit: Predicate for digital-asset issuers that need compliance controls embedded at the asset and transaction level 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 Predicate if…
- you're among digital-asset issuers that need compliance controls embedded at the asset and transaction level
- you're among onchain finance applications requiring configurable wallet screening and jurisdiction rules
- you're among protocols that need signed off-chain decisions verified by smart contracts
- 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 Predicate drawback matters to you: current pricing, plan structure and commercial minimums are not publicly disclosed
At a glance
| Attribute | Predicate | Alloy |
|---|---|---|
| Starting price | Custompricing as of Nov 2026 | From $25K/yrpricing as of Oct 2026 |
| Pricing model | Quote-based; current fee structure undisclosed | Annual subscription, quote-based |
| Free trial | Not published | No public free trial is stated on Alloy's official product pages. |
| Founded | 2023 | 2015 |
| Headquarters | New York City, NY | New York, NY |
| Funding | $15M raised | $216.7M |
| Frameworks | Not published | Bank Secrecy Act (BSA), FATF standards and UK Proceeds of Crime Act 2002 (POCA) |
| Coverage | Digital assets and regulated onchain finance | 250+ identity data integrations; 300+ solution partners |
| Integrations | TRM Labs; Blockaid | 300+ solution partners |
| Customers | Not published | 900+ financial institutions and fintechs |
| Focus | Digital-asset compliance | 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
Predicate pricing
Custom · pricing as of Nov 2026
Plan-level pricing not published.
Predicate publishes no current public price list or self-serve plans and directs prospects to request a demo. Fortune reported in 2024 that the company planned white-glove integration and transaction fees. Current commercial terms require a quote.
Free trial: Not published
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
Predicate
- Programmable policy rules. Configure AML checks, rate limits, collateral thresholds, jurisdiction restrictions and other business rules.
- Off-chain screening. Evaluate wallets or users against a policy and return a signed compliance attestation with optional failure reasons.
- On-chain enforcement. Use Predicate smart-contract libraries and registries to verify attestations and gate contract functions.
- Asset-level controls. Screen minting and deposits, allowlist wallets, monitor sanctions and freeze sanctioned or exploit-linked funds.
- KYC and KYB workflows. Predicate Identity supports KYC/KYB, custom risk configurations, manual review and data integration.
- Multi-chain support. The v2 documentation lists support for numerous EVM and non-EVM networks, including Ethereum, Solana and Stellar.
- Audit and operations. Automatic retries, multiple RPC providers, append-only records and issuer dashboard visibility support ongoing enforcement.
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
Predicate
Pros
- Combines off-chain policy evaluation with on-chain enforcement rather than stopping at reporting.
- Supports configurable AML, jurisdiction, collateral and transaction-control rules.
- Documents a broad multi-chain footprint and integrations with TRM Labs and Blockaid.
- Provides operational controls including retries, multi-RPC failover and append-only audit records.
Cons
- Current pricing, plan structure and commercial minimums are not publicly disclosed.
- On-chain enforcement requires Predicate-enabled contract or registry deployment.
- The v2 documentation identifies Predicate API as the sole attester.
- Coverage and implementation requirements vary by supported chain and integration.
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 AML, KYC, KYB and Sanctions screening.
- Both use quote-based pricing, so the final price depends on scope and negotiation.
How they differ
- Focus
- Predicate: Digital-asset compliance
- Alloy: Financial crime and identity risk
- Pricing model
- Predicate: Quote-based; current fee structure undisclosed
- Alloy: Annual subscription, quote-based
- Starting price
- Predicate: Custom
- Alloy: From $25K/yr
- Founded
- Predicate: 2023
- Alloy: 2015
- Headquarters
- Predicate: New York City, NY
- Alloy: New York, NY
- Funding
- Predicate: $15M raised
- Alloy: $216.7M
- Listed only for this tool
- Predicate: Digital assets, Onchain finance, Wallet screening, Smart contracts, Ethereum, Solana +2 more
- Alloy: Fraud prevention, Perpetual KYC, Transaction monitoring, Identity verification, Financial institutions, Fintech +4 more
Frequently asked questions
Is Predicate 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. Predicate: Custom (quote-based; current fee structure undisclosed). Alloy: From $25K/yr (annual subscription, quote-based). (Predicate 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, Predicate or Alloy?
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Predicate's published positioning doesn't single out startups; its first best-fit group is "Digital-asset issuers that need compliance controls embedded at the asset and transaction level". 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 Predicate to Alloy?
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Yes. They are separate products, so switching means setting up Alloy and reconnecting your systems. Check your Predicate 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 Predicate data.
Does Predicate or Alloy have more integrations?
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Predicate: TRM Labs; Blockaid; Alloy: 300+ solution partners. Vendor counts are self-reported and define "integration" differently, so check that the specific systems you use are supported.
Do Predicate and Alloy offer a free trial?
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Predicate: not published. Alloy: No public free trial is stated on Alloy's official product pages.
Go deeper
Predicate
Compliance
Alloy
Compliance
Sources
Vendors change pricing and features often, so confirm with each vendor before buying. How we research
Predicate
Last verified
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