Alloy Labs is a consortium of community banks working together to serve evolving customer needs in a rapidly changing world with the insights, resources, and scale of a top 10 bank. Viewed as a single entity, we combined total assets of nearly $500B, which gives us the scale to work with large providers and provide a scaling path for startup partners. We use the knowledge of the network to develop insights that drive partnerships, product development, and strategic investments. We operate 7 Centers of Excellence: 1. Automation & AI 2. Banking as a Service 3. Cybersecurity 4. Data & Analytics 5. Innovation Culture 6. Marketing 7. Strategy & Business Model We've created infrastructure initiatives including a payments company, a fraud fighting cooperative, and a digital identity consortium. Our accelerator program focuses on how startups and banks can partner for mutual benefit rather than company building. Almost all startups sign at least 1 bank partner before the program ends and most see significant acceleration in the first 6 months. We also have a multi-tenant corporate venture capital fund where we invest in strategic, bank-adjacent spaces where our network can provide significant value as seed-stage companies scale without taking up a large share of the cap table.