Perpetual KYB solution for business verification and AML | Alloy
Know your business (KYB)
Get audit and scale-ready with Alloy’s perpetual KYB solution
Orchestrate and automate real-time compliance checks across business entities, ownership structures, and associated individuals. Our KYB workflows are built to scale and stand up to scrutiny.
Trusted by hundreds of the world’s top financial institutions and fintechs
Meet your KYB compliance needs with Alloy
Take a risk-based approach to periodic and real-time perpetual KYB checks
Run Customer Risk Assessments dynamically throughout the customer lifecycle. Automate KYB for low-risk cases, and focus your analyst team’s attention on remediating complex high-risk cases.
Automate risk scoring and decisioning based on registry updates, new UBOs, watchlist hits, and other business changes
Alloy automatically triggers KYB checks and risk assessments based on business changes detected, enabling the most up-to-date view on risk.
Bring together your preferred KYB vendors through one simple API platform
Alloy provides pre-built integrations with the broadest network of KYB data partners to centralize required data points for Customer Risk Assessments.
Adapt to new regulations and geographies
Accelerate growth by tailoring KYB workflows to local regulations and product requirements.
Move beyond point-in-time KYB checks
Alloy’s perpetual KYB solution supports both onboarding and continuous monitoring, enabling compliance teams to maintain an up-to-date view of business identity and risk throughout the customer lifecycle.
Business verification built for complex ownership
Traditional KYB processes rely on snapshots taken during onboarding. But business risk doesn’t stay static. Ownership changes, new partnerships form, and exposure to sanctions or financial crimes can emerge long after an account is approved.
Business verification breaks down when ownership changes. Alloy’s KYB verification continuously validates business identity, ownership structures, and ultimate beneficial owners, so financial institutions and fintechs maintain an accurate view of risk as businesses evolve without restarting reviews.
An all-in-one KYC and KYB compliance solution
Alloy’s identity and fraud prevention platform can help you increase automation and efficiency of your business risk mitigation.
See how Alloy helps our clients with their business monitoring needs
“Alloy’s platform will allow us to enter new markets quickly, optimise our merchants’ fully digitalised application for funding and scale to meet our partners’ demand, while also maintaining our high standards for compliance.”
Alexis Alexander, Chief Legal & Compliance Officer
Learn how Alloy can help with your KYB needs today
KYB solution FAQs
What is the KYB verification process, and how does it support AML compliance?
The KYB verification process validates business identity, ownership, and risk using trusted data sources and structured validation. This process supports AML compliance and broader anti-money laundering programs by ensuring businesses are accurately verified at onboarding and reassessed as risk changes over time. By tying KYB to AML workflows, compliance teams can identify exposure to money laundering earlier and maintain consistent oversight.
How does perpetual KYB support business onboarding and ongoing monitoring?
Perpetual KYB supports business onboarding by validating business information and ownership at account opening, then extending that coverage through ongoing monitoring. Instead of relying on one-time checks, Alloy’s perpetual KYB solution continuously reviews changes to business data, ownership, and risk signals so teams maintain an up-to-date view throughout the customer lifecycle. This creates an end-to-end approach to KYB without restarting reviews unnecessarily.
How does KYB help financial services companies manage potential risks and false positives?
For financial services organizations, KYB helps manage potential risks by applying risk-based rules and layered signals rather than one-size-fits-all checks. Alloy’s approach to KYB reduces false positives by triggering reviews only when meaningful changes occur, allowing compliance teams to focus on high-risk cases while keeping low-risk businesses moving.
What data sources are used for business verification and validation?
Alloy integrates a broad network of global data sources to support reliable business verification and validation. These sources provide structured business data and business information from registries, watchlists, and other authoritative providers. By centralizing this information within a single verification service, financial institutions and fintechs can maintain a consistent and explainable verification process.
How does KYB support AML screening for sanctions, PEPs, and adverse media?
KYB supports AML screening by monitoring business entities and associated individuals for exposure to sanctions, PEPs, and adverse media. When changes such as new ownership or jurisdictional shifts occur, Alloy automatically reassesses risk to help teams identify emerging threats related to financial crime and money laundering without overwhelming analysts.
How does KYB relate to Know your customer (KYC) requirements?
Know your customer (KYC) focuses on verifying individuals, while KYB applies similar principles to businesses, ownership, and control. Together, KYC and KYB form the foundation of effective compliance programs, enabling organizations to meet regulatory requirements, perform enhanced due diligence when needed, and maintain consistent oversight across both individuals and business relationships.