CEO Tommy NicholasFounded 2015HQ New York City, US
Alloy is a private fintech company that provides an identity decisioning and risk management platform for banks, credit unions, and fintechs. Its software helps automate KYC/KYB, AML screening, fraud prevention, and credit underwriting.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Latest Price
$1.55B
Series C, 2021, Perplexity
UpMarket Estimate
$1.3B
Based on UpMarket valuation model
Previous Price
Series B 2020
How to Invest in Alloy Through UpMarket
Alloy shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
Step 01
Verify accredited investor status
Confirm eligibility under SEC Rule 501 of Regulation D. Income or net worth threshold applies.
Step 02
Create an UpMarket account
Complete KYC/AML onboarding. Typically 1–2 business days. Licensed rep assigned on signup.
Step 03
Review available Alloy offerings
Full offering memoranda and risk disclosures provided before any commitment is required.
Step 04
Complete subscription documents
Review and sign subscription agreement. All documents handled digitally through the platform.
Step 05
Fund your investment
Wire transfer or ACH. $50K minimum. Funds held in custodial account until close.
Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
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UpMarket has brokered over ${{aum_amount_brokered_en}} billion in alternative investments*
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Valuation Growth Over Time
Post-money valuation by round
Previous roundsMost recent
Date
Round
PPS (split-adj.)
Valuation
2021
Series C
$1.55B
2020
Series B
2019
Series A
Why Investors Are Watching Alloy
Growth Signal
Alloy raised $52M to accelerate growth and global expansion
Alloy announced an additional $52 million financing round led by Lightspeed Venture Partners to accelerate growth and global expansion. The company says it is the leading identity decisioning platform for banks and fintechs.
Product Milestone
Alloy's single API automates identity and fraud compliance
Flourish Ventures describes Alloy as a digital platform that uses a single API to automate identity and fraud compliance for fintech companies. The product is positioned for risk and identity decisions across the fintech ecosystem.
Market Opportunity
Alloy targets banks and fintechs solving identity risk
Alloy says its platform helps banks and fintechs solve identity and compliance issues to make better risk and identity decisions. EquityZen also describes the company as serving fraud detection, identity management, and customer data use cases.
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No. As of March 2026, Alloy is a private company and does not trade on any public stock exchange. Accredited investors can access Alloy shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Alloy does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Alloy shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.
Pre-IPO investments carry significant risks. Alloy shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Alloy provides an identity decisioning and risk management platform for banks, credit unions, and fintechs and was valued at $1.3B, with a $52M raise to accelerate growth and global expansion — accredited investors can access Alloy stock through UpMarket.