Solving for bank account risk in a highly fragmented ecosystem

GrailPay Account Intelligence is now directly integrated into Alloy's leading orchestration platform, enabling Alloy customers to validate bank accounts and reduce payment failures with unprecedented bank account coverage and accuracy. 

AI and new payment rails being added to the mix on top of legacy institutional foundations are only intensifying risks. AI-driven fraud schemes evolve rapidly, account takeovers happen in minutes, and payment failures due to simple operational mismatches in bank account data can cascade through systems before legacy risk tools even detect them.

Enhanced bank account coverage meets streamlined implementation

GrailPay's Account Intelligence aggregates more data sources than any other provider in the market, delivering industry-leading coverage across bank account types and financial institutions. By integrating with Alloy's platform, we're making this comprehensive validation accessible to hundreds of financial companies that previously would have needed to stitch together siloed solutions. 

Through this partnership, Alloy customers can now embed GrailPay's Account Intelligence directly into new and existing risk workflows, eliminating the friction of building separate integrations while maintaining the speed their end users demand. This embedded approach is particularly powerful for Alloy's diverse customer base—from embedded banking platforms to credit unions looking to enable more secure transactions and account management.. 

They can now leverage GrailPay's proprietary models and consortium data without the operational overhead of managing another vendor relationship.

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Innovation built on shared values 

What makes this collaboration especially compelling is the shared philosophy both companies bring to risk management. Like GrailPay, Alloy understands that effective fraud prevention requires combining multiple data signals with sophisticated analytics, and that implementation speed directly impacts business outcomes.

This partnership reflects a broader trend toward composable risk infrastructure, where companies can mix and match specialized tools that fit unique needs perfectly, rather than relying on rigid monolithic solutions that aren’t designed to keep pace with rapid payments innovation. 

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Building for the future of authenticated bank account payments

Bank payment volumes are already massive - nearly $80T in recent years - and are only continuing to grow. The need for sophisticated, fast-deploying risk tools will only intensify. Our partnership with Alloy positions us together to serve this evolving market with solutions that prioritize both security and user experience.

For Alloy customers interested in adding GrailPay's Account Intelligence to their risk stack, implementation can begin immediately through the Alloy platform. This seamless deployment means faster time-to-value and reduced technical overhead. Exactly what growing fintechs need to stay competitive in today's payments environment.

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