Alloy vs Sumsub

Alloy and Sumsub both appear on shortlists when a fintech picks its KYC, KYB, and fraud stack. They solve the problem in different ways. Alloy is a decisioning layer that orchestrates many data providers. Sumsub is a single platform that runs the checks itself. Both are good products, and the right choice depends on your market, your team, and how much control you want over the data underneath.

Alloy vs Sumsub at a glance

Alloy is an identity and fraud prevention platform for banks, credit unions, and fintechs. It pairs an open data ecosystem (more than 270 data partners as of mid-2026, including the major credit bureaus) with an orchestration engine and machine learning models. Teams build no-code workflows for onboarding, KYC, KYB, AML and watchlist screening, transaction monitoring, fraud, and credit decisioning, across the customer lifecycle. Alloy says more than 900 financial institutions and fintechs use it.

Sumsub is a verification and compliance platform. It runs its own ID document and liveness checks, non-document verification, reusable KYC, KYB with UBO verification, AML screening and monitoring, transaction monitoring, fraud prevention, and a Travel Rule solution for crypto. Case management, a workflow builder, a rule engine, and FIU reports sit on top. Sumsub serves fintech, crypto, iGaming, trading, mobility, and marketplaces, and says it has more than 4,000 clients.

Product scope

Alloy. Alloy's strength is choice. You plug in the data providers you want, run them in the order you want, and change the mix without re-integrating. That matters for US banks and lenders that combine bureau data, fraud scores, and bank account checks, and for teams that also want credit decisioning on the same engine. Alloy's 2026 work extends decisioning past onboarding to logins, transactions, and account changes.

Sumsub. Sumsub's strength is breadth in one box. Document checks, liveness, AML, KYB, and transaction monitoring come from one vendor with one SDK and one case queue. For KYB, Sumsub cites 30,000+ data sources across 220+ countries, and offers an in-house team that manually verifies complex corporate documents. It also covers crypto-specific needs like the Travel Rule.

AI and case review

Alloy. The Alloy AI Assistant launched in February 2026. It sits inside Alloy, summarizes case data, and recommends a decision a person can approve or that a team can set to accept automatically. Alloy reported 80% automation on watchlist hits in early deployments. It works on the context Alloy has.

Sumsub. Summy AI Copilot launched across the platform in February 2026, after starting inside case management. It summarizes cases, highlights risk signals, answers compliance and product questions, and builds analytics, while decisions stay with people. Sumsub also uses AI agents to analyze AML hits and extract KYB document data. In June 2026 it added an MCP integration and open-source agent skills so outside agents like Claude or ChatGPT can configure Sumsub and help with daily review, with configuration changes approved by a person.

Markets and deployment

Alloy. Alloy serves banks, credit unions, and fintechs, with US bureau data in its network, and has been building out the UK and Europe, where it launched perpetual KYB in 2026. It is a hosted platform.

Sumsub. Sumsub is built for global coverage and for industries with heavy cross-border onboarding, like crypto, trading, and iGaming. It is a hosted platform with a self-serve start: a 14-day trial with 50 free checks.

Pricing

Alloy. Pricing is not published; it is sold through sales.

Sumsub. Sumsub publishes pricing. Basic is $1.35 per verification with a $149 monthly minimum (ID verification, liveness and face match, reusable KYC, email and phone checks, Travel Rule). Compliance is $1.85 per verification with a $299 monthly minimum (adds AML screening, ongoing AML monitoring, address verification). KYB, transaction monitoring, fraud prevention, and non-document checks are on a custom plan. Sumsub says it only charges for completed verifications.

Where Runtime fits

Runtime isn't a third KYC vendor. It is the layer both of them leave open.

Alloy and Sumsub each decide inside their own data. Their AI features help reviewers move faster on cases in their platform. But a manual review at a payments or lending company usually needs more: the customer's history in your ledger, a payout held at the processor, a dispute, a support thread, an underwriting note. And the decision rarely stays with compliance. Support answers the customer, payment ops holds or releases funds, finance sees the recon break. Today each team investigates separately.

Runtime is the AI agent harness for those teams. Agents run on isolated computers in your own cloud, with the models you choose, and use Alloy or Sumsub as tools alongside your ledger, processor, ticketing, and the browser for portals with no API. They draft the decision with evidence, stop for a person before anything moves money, and keep one record of the whole investigation for your sponsor bank or examiner. A forward-deployed AI engineer builds the first agents with your team.

So the honest answer is: pick Alloy or Sumsub for verification, and use Runtime next to either for the work that comes after.

Which should you choose

Choose Alloy if

• You are a bank, credit union, or lender and want to orchestrate many data providers
• You want fraud, identity, and credit decisioning on one engine
• You want to swap or add data sources without re-integrating

Choose Sumsub if

• You onboard users across many countries and want checks from one vendor
• You are in crypto, trading, or iGaming and need the Travel Rule
• You want published, per-verification pricing and a self-serve trial

Choose Runtime (alongside either) if

• Manual reviews need data from your ledger, processor, and support tools
• Risk decisions turn into work for payment ops, finance, or support
• You want agents in your own cloud, with approvals and a full audit record

Frequently asked questions

What is the difference between Alloy and Sumsub?

Alloy is an orchestration and decisioning platform. It connects you to hundreds of third-party data providers and lets you build no-code workflows on top. Sumsub runs most checks itself, including document verification, liveness, AML screening, KYB, and transaction monitoring, in one platform with built-in case management.

Is Alloy or Sumsub better for crypto companies?

Sumsub has a built-in Travel Rule solution and lists crypto among its main industries, which makes it a common choice for crypto. Alloy also serves crypto companies, mostly through its fraud and compliance decisioning.

Do Alloy and Sumsub have AI agents?

Both do. Alloy launched its AI Assistant in February 2026 to recommend decisions on cases inside Alloy. Sumsub launched Summy AI Copilot across its platform in February 2026, and in June 2026 added an MCP integration so outside AI agents can work with Sumsub.

How much do Alloy and Sumsub cost?

Alloy does not publish pricing. Sumsub publishes it: Basic is $1.35 per verification with a $149 monthly minimum, Compliance is $1.85 per verification with a $299 monthly minimum, and KYB, transaction monitoring, and fraud are on a custom plan.

Where does Runtime fit with Alloy or Sumsub?

Runtime runs next to either. Alloy or Sumsub makes the identity decision. Runtime agents work the manual reviews, re-reviews, and cross-team investigations that need data from your ledger, processor, and support tools, with approvals and a full record.