The insight at the core of Sardine is that modern scams, fraud and money laundering attacks are outwitting traditional measures. To solve this we infused everything we do with proprietary Device Intelligence & Behavior Biometrics. Once considered a luxury, or focussed on e-commerce Sardine supports a full customer lifecycle of fraud detection for all payment types. We combine our proprietary tech and AI with Data enrichment & a full suite of transaction monitoring, KYC, Sanctions & PEP screening. One dashboard, one contract, one API. By baking behavior biometrics into everything, we get better results. Don’t believe us? Try it for yourself.

Location:Miami, United States
Founded: 2020

Fraud Solution Profile

Sardine is the world’s only behavior-infused fraud & compliance platform. We help detect scams before they happen, and subtle changes in user behavior over time that demonstrate fraud, AML or sanctions risk. We then combine this with data enrichment from sources like email, Telco, open banking and bank consortia. This is made available as an API, as machine learning features or raw signals.

Customers love Sardine because it is the most powerful and flexible fraud & compliance platform. In the age of AI-driven scams and large-scale data breaches, it is no longer enough to rely on users to authenticate themselves with something they know, are or have. We need to monitor behavior across the entire customer journey.

Sardine is available across the customer lifecycle, from onboarding and account funding to payment for financial institutions, Fintech companies, and merchants.

At its core Sardine has built more fine-grained signals for device intelligence and behavior biometrics than the competition. Crucially all of this data is baked into and combined with all other signals. We add to this a rules engine, dashboard, and proprietary machine learning models. Sardine can also offer e-KYC, documentary KYC, KYB, Sanctions, PEPs and Adverse Media screening, transaction monitoring and case management. 

Finally, Sardine offers Sponsor Bank Operating System (OS) for sponsor banks. Giving complete oversight of sponsored programs onboarding, fraud rates, AML risk, and direct collaboration on case management. Sardine detects more fraud, reduces false positives, and detects more sanctions hits than the competition. Book a demo and try us in a proof of concept to see for yourself.


Stearns Bank


Ecommerce, Financial Services
 Primary Functionality
Fraud & AML Platform
 Fraud Type
Account Takeover, KYC & AML, New Account Fraud, Payment Fraud, Synthetic Identity Fraud
Behavioral Biometrics, Biometrics, Machine Learning, Multi-Factor Authentication, Rules Engine