Second provider pressure
Operations need another custody or wallet provider without rewriting payout logic, status handling, and approval paths.
Solution / Stablecoin payment fintechs
Stablecoin payment operations without provider lock-in.
Alloy gives payment fintechs one operating layer for payouts, provider routing, policy, risk checks, reconciliation, and audit evidence.
Wedge: Start with WalletKit for provider-neutral payout operations, then add policy, risk, and reconciliation controls as volume grows.
Workflow proof
The trigger is not a custody migration. It is operational drift.
The first provider gets a fintech live. The second provider, new corridor, payout incident, or bank evidence request exposes how much payment state lives in provider consoles, spreadsheets, and tickets.
Operating boundary
Customer workflowsPayoutsAcceptanceRefundsTreasury moves
Alloy payment ops layerWalletKitPolicyKitRiskGuardReconFlow
Execution boundaryCustody providersCustomer-controlled walletsStablecoin networks
Evidence outputsSupport timelineRisk receiptFinance closeBank review package
Operating pressure
The page centers the moments that make teams look for Alloy.
Payout status ambiguity
Support, compliance, and finance need the same answer when provider state, chain state, and customer state disagree.
Reconciliation drift
Fees, balances, failed payouts, and pending confirmations need reason-coded ownership before month end.
Bank evidence request
Partners need clear proof of custody boundaries, control decisions, provider responsibility, and incident handling.
Workflow
One payment operating record from intent to close.
Intake
Normalize payout, acceptance, refund, treasury, and internal movement intents with business references and idempotency.
Route
Select the provider path while preserving native provider constraints, unavailable capabilities, and fallback state.
Control
Attach policy approvals, risk decisions, screening outcomes, and human escalation before submission.
Close
Turn provider events into reconciled status, exception queues, fee attribution, and audit-ready exports.
Implementation path
Start narrow, then expand by evidence surface.
Map one corridor
Pick a high-value payout or acceptance path where provider state already creates support or finance work.
Add provider profiles
Document target providers, customer-controlled stacks, capability gaps, custody boundaries, and event formats.
Wire control events
Connect policy, risk, approval, and screening receipts to the WalletKit transaction lifecycle.
Close exceptions
Route unresolved provider events, fee variances, and pending finality into ReconFlow-style evidence.
Evidence
Proof the buyer can inspect.
Every route keeps Alloy's public story grounded in operating records, custody boundaries, and right-sized modules.
Next step
Bring your current provider stack.
We will map the first workflow Alloy should stabilize, the custody boundary, and the modules that create evidence.
Join design partners
Prefer email? hello@alloy.build