Sardine is a premier agentic risk platform designed to help banks, merchants, and fintech companies unify their fraud prevention, AML compliance, and transaction monitoring efforts into a single, cohesive solution. By leveraging advanced AI and machine learning, Sardine enables organizations to stop fraud in real-time while simultaneously automating complex operational tasks. The platform is designed to break down the traditional silos between fraud, AML, and credit teams, providing a connected, intelligent, and highly efficient workflow that adapts to emerging threats faster than traditional manual systems. With a focus on the agentic frontier, Sardine empowers risk teams to be significantly more effective by deploying automated agents that handle data analysis, alert investigation, and decision-making, allowing human analysts to focus on higher-level strategy. Sardine’s architecture is built on the most comprehensive risk data in the industry, including global consortium intelligence, which allows it to identify risks that are invisible to internal systems alone. With support for global KYC, KYB, and comprehensive identity verification, Sardine is a robust partner for organizations navigating the complexities of international financial crime, providing the tools necessary to protect users and businesses across the entire customer lifecycle.

Functionality of the platform centers on providing modular building blocks that manage risk across the customer journey, from initial onboarding to complex payment processing and ongoing compliance monitoring. It acts as an orchestrator, combining behavioral biometrics, device intelligence, and cross-industry consortium data to provide a unified risk score. By integrating these disparate data sources into a single dashboard, Sardine enables institutions to replace dozens of legacy point solutions with one integrated platform, ultimately increasing approval rates for legitimate customers while drastically reducing losses from fraud, bot-driven account takeovers, and AI-driven identity attacks.

Some of the key features are:

• Agentic Fraud Ops: Automated agents designed to handle data analysis, alert reviews, and complex investigations with audit-ready output.
• Global Identity Verification: A comprehensive suite including Global KYC, Global KYB, document verification, and bank account ownership validation.
• Device and Behavior Intelligence: Advanced signals including behavioral biometrics and True Piercing technology to detect emulators, bots, and location spoofing.
• Rules Engine & ML Models: A flexible, no-code environment to build, test, and deploy automated risk-based workflows and machine learning models.
• Consortium Data: Access to cross-industry fraud intelligence that provides shared context on emerging threats and repeat bad actors.
• AML Automation: Intelligent screening for sanctions, PEPs, and adverse media, along with automated transaction monitoring and customer risk rating.
• Fraud Investigations: A unified workspace featuring a connections graph to map relationships between users, devices, and transactions.
• Sponsor Banking OS: Specialized tools to monitor and enforce risk controls across complex fintech programs.

Operationally, Sardine functions as a continuous risk engine. During the onboarding process, the platform runs progressive checks that adapt to the specific risk profile of the entity, using passive signals to minimize friction for good users while triggering targeted, high-assurance steps only when necessary. Throughout the customer lifecycle, the system maintains perpetual vigilance, automatically flagging suspicious activities such as account takeovers, policy abuse, or money laundering attempts. The platform’s API-first design allows for deep integration with existing core banking, payment, and CRM systems, enabling a seamless flow of data that powers real-time automated decisions. As entities evolve—whether it's a business changing its ownership structure or a customer exhibiting anomalous behavior—Sardine’s monitoring agents alert risk teams, manage the necessary re-verification processes, and maintain a clear, audit-ready decision trail.

Some common use cases include:

• Merchant Onboarding: Automating KYB for e-commerce and payroll platforms to ensure business legitimacy while detecting bust-out fraud.
• Payment Fraud Protection: Securing transactions across ACH, Wire, SEPA, RTP, and real-time payment rails to reduce chargebacks and losses.
• Synthetic Identity Detection: Using deep behavioral and consortium analysis to block fake identities and deepfakes during account creation or job applications.
• Anti-Money Laundering (AML): Replacing manual transaction monitoring queues with AI-assisted reviews that focus on money mule activity and high-risk customer behavior.
• Account Takeover (ATO) Prevention: Stopping unauthorized access through real-time detection of credential stuffing, bot activity, and device anomalies.