Sardine

Sardine is a US-based financial crime prevention company founded in 2020, offering technology that helps banks, fintechs, and merchants detect fraud and meet anti-money-laundering obligations. The company was created to address rising losses from account takeover, synthetic identity fraud, and payment scams as digital onboarding and instant payments expanded.

The Sardine platform combines device and behavioral intelligence, identity verification, and transaction monitoring into a single risk engine accessible through APIs. Modules cover KYC/KYB onboarding, real-time payment fraud scoring, AML case management, and sanctions screening, with AI agents that support compliance teams reviewing alerts. Customers include banks, neobanks, and payment processors that need to screen users and transactions without slowing down checkout or onboarding.

1. Device & Behavior Intelligence: analyzes device signals and behavioral patterns to flag risky logins and masked locations.

2. Identity Onboarding: runs KYC/KYB checks, document verification, and bank account verification during signup.

3. Payment Fraud Scoring: scores transactions in real time to block card, ACH, and instant-payment fraud.

4. AML Case Management: automates transaction monitoring, customer risk rating, and sanctions screening in one workflow.

5. Agentic Investigations: AI agents draft alert reviews and investigation notes to speed up compliance teams.

6. Merchant Monitoring: tracks merchant behavior to catch collusion and money-laundering patterns.