The short answer
Shufti and Alloy are both compliance tools. They overlap on KYC, KYB, AML and Identity verification. On published figures, Shufti leads on larger reported customer base (2,000+ businesses vs 900+ financial institutions and fintechs). Best fit: Shufti for fintech and payments teams requiring global KYC and AML checks 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 Shufti if…
- you're among fintech and payments teams requiring global KYC and AML checks
- you're among marketplaces and ecommerce businesses onboarding customers at scale
- you're among regulated crypto and financial businesses needing screening and monitoring
- you want a larger reported customer base (2,000+ businesses vs 900+ financial institutions and fintechs)
- 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 Shufti drawback matters to you: paid verification rates are not published as fixed numeric prices
At a glance
| Attribute | Shufti | Alloy |
|---|---|---|
| Starting price | Freepricing as of Nov 2026 | From $25K/yrpricing as of Oct 2026 |
| Pricing model | Usage-based, pay-as-you-go per verification; enterprise quote-based | Annual subscription, quote-based |
| Free trial | Free Forever includes 10 production verifications per month without a card. | No public free trial is stated on Alloy's official product pages. |
| Founded | 2017 | 2015 |
| Headquarters | London, UK | New York, NY |
| Funding | Not published | $216.7M |
| Frameworks | SOC 2 Type II, ISO 27001, PCI DSS, GDPR, iBeta ISO 30107 | Bank Secrecy Act (BSA), FATF standards and UK Proceeds of Crime Act 2002 (POCA) |
| Coverage | 240+ regions; 150+ languages | 250+ identity data integrations; 300+ solution partners |
| Integrations | REST API, webhooks, iOS, Android, Flutter, React Native, Cordova, Okta, Azure and OneLogin | 300+ solution partners |
| Customers | 2,000+ businesses Leads | 900+ financial institutions and fintechs |
| Rating | 4.5/5 on G2 (147 reviews) | Not published |
| Focus | Identity verification and AML | 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
- Shufti: larger reported customer base2,000+ businesses vs 900+ financial institutions and fintechs
Pricing compared
Shufti pricing
Free · pricing as of Nov 2026
- Free Forever$0
10 verifications/month
Facial biometrics, document verification, fast ID, liveness and deepfake detection, integrations, dashboard access, customer support
- EssentialsPay as you go
Volume-based
User identification and authentication, facial biometrics, liveness, document verification, integrations, dashboard access, customer and end-user support
- EnterpriseCustom
For large volumes and advanced requirements
Advanced verification and AML modules, MFA, e-IDV, risk assessment, behavioural biometrics, transaction screening, KYA, bulk AML screening, API configuration, on-premise and dedicated support
The public pricing page lists Free Forever at $0, Essentials as usage-based pay-as-you-go and Enterprise as custom. Pricing depends on verification volume and selected services rather than seats, and the vendor says Free Forever and Essentials have no minimum monthly commitment or lock-in. G2 lists three editions starting at $0 and confirms a free trial, but no numeric paid per-check price was verified.
Free trial: Free Forever includes 10 production verifications per month without a card.
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
Shufti
- Document verification. Checks identity documents with fast ID, document data extraction and broad country coverage.
- Facial biometrics. Uses face matching, liveness and deepfake or presentation-attack detection to confirm a person is present.
- KYC and KYB. Verifies individuals and businesses with modular checks matched to the customer risk and use case.
- AML screening. Screens against sanctions and watchlists and supports transaction and ongoing monitoring.
- Fraud prevention. Combines risk scoring, behavioural signals and device or identity controls to detect suspicious activity.
- Know Your Agent. Verifies AI-agent identity, links it to an accountable principal, checks mandates and records decisions, revocations and exceptions.
- Developer deployment. Offers REST API, hosted journeys, no-code Journey Builder, webhooks, mobile SDKs and on-premise deployment.
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
Shufti
Pros
- Combines KYC, KYB, AML, fraud and monitoring in one API.
- Supports SaaS, private-cloud and on-premise deployment for data-residency needs.
- Free Forever includes 10 live verifications per month with no card.
- KYA links agent credentials and permissions to a verified accountable principal.
Cons
- Paid verification rates are not published as fixed numeric prices.
- Enterprise modules and advanced coverage require a sales quote.
- KYA is a new control layer and does not replace principal KYC or KYB.
- The breadth of modules can make configuration and plan comparison complex.
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, KYB, AML, Identity verification, Sanctions screening, Transaction monitoring and Fraud prevention.
- Both offer KYC and KYB and fraud prevention.
- Both use quote-based pricing, so the final price depends on scope and negotiation.
How they differ
- Focus
- Shufti: Identity verification and AML
- Alloy: Financial crime and identity risk
- Pricing model
- Shufti: Usage-based, pay-as-you-go per verification; enterprise quote-based
- Alloy: Annual subscription, quote-based
- Starting price
- Shufti: Free
- Alloy: From $25K/yr
- Founded
- Shufti: 2017
- Alloy: 2015
- Headquarters
- Shufti: London, UK
- Alloy: New York, NY
- Listed only for this tool
- Shufti: Document verification, Facial biometrics, Liveness, eIDV, Age verification, AI-agent verification
- Alloy: Perpetual KYC, Financial institutions, Fintech, Credit unions, BSA, FATF +1 more
Frequently asked questions
Is Shufti 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. Shufti: Free (usage-based, pay-as-you-go per verification; enterprise quote-based). Alloy: From $25K/yr (annual subscription, quote-based). (Shufti 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, Shufti or Alloy?
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Shufti's published positioning doesn't single out startups; its first best-fit group is "Fintech and payments teams requiring global KYC and AML checks". 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 Shufti to Alloy?
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Yes. They are separate products, so switching means setting up Alloy and reconnecting your systems. Check your Shufti 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 Shufti data.
Does Shufti or Alloy have more integrations?
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Shufti: REST API, webhooks, iOS, Android, Flutter, React Native, Cordova, Okta, Azure and OneLogin; Alloy: 300+ solution partners. Vendor counts are self-reported and define "integration" differently, so check that the specific systems you use are supported.
How do Shufti and Alloy reviews compare?
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Shufti scores 4.5/5 from 147 reviews on G2; Alloy: no rating in our data. Ratings are third-party review-site data, not our own testing.
Do Shufti and Alloy offer a free trial?
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Shufti: Free Forever includes 10 production verifications per month without a card. Alloy: No public free trial is stated on Alloy's official product pages.
Go deeper
Shufti
Compliance
Alloy
Compliance
Sources
Vendors change pricing and features often, so confirm with each vendor before buying. How we research
Shufti
Last verified
Work at one of these companies or spot something out of date? Suggest a correction. We check every report against a public source and update the page, usually within a few days.