Agentic Index
Sardine vs Variance (2026)
Both run agents across fraud and financial crime and they cover different halves of the obligation, at 11.5 and 11 of 14.
Sardine is fraud detection and compliance with agentic workflow automation, typically from around 30,000 dollars a year. Variance runs investigative agents autonomously across know your customer, know your business, anti money laundering, transaction monitoring and fraud, tracing ownership, checking sanctions and adverse media and returning cited auditable decisions in minutes. Sardine leans detection; Variance leans investigation, and cited auditable decisions is what an examiner will actually ask to see.
Choose Sardine if
- Documented coverage is slightly broader and detection quality is the primary need.
- An approximate published cost helps you build the business case.
- Fraud prevention at transaction time is where your losses occur.
Choose Variance if
- Investigation backlog, not detection, is where your team is drowning.
- Ownership tracing plus sanctions and adverse media in one pass is the work.
- Cited auditable decisions are what your examiner and your board will want.
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