Sardine
Also known as: Sardine AI
AI-powered fraud detection and compliance platform with agentic workflow automation.
Sardine is an AI risk platform that unifies fraud prevention, AML compliance, and credit underwriting in a single system for banks, fintechs, and merchants. Founded in 2020 in San Francisco by former risk and compliance leaders from Coinbase, Revolut, Uber, and PayPal, the company has profiled more than 2.2 billion devices and screens over $1.48 trillion in payments, serving 450+ enterprise customers including FIS, Deel, GoDaddy, Ascensus, and X.
The platform's foundation is deep behavioral data: a single SDK captures device intelligence and behavior biometrics during active sessions, enriched by a cross-industry fraud consortium and over 4,000 engineered fraud features. A no-code rules engine evaluates those features in real time (back-testable against historical data or runnable in shadow mode) and machine-learning models output risk scores in milliseconds. Fraud, AML, and credit teams work from one connected platform spanning KYC/KYB, sanctions screening, AML transaction monitoring, case management, and credit decisioning, with network-graph tools to surface coordinated activity.
Sardine has since layered agentic AI on top, branding itself an agentic risk platform. Its AI agents automate the most time-consuming parts of risk operations while preserving audit trails and human oversight: a KYC Onboarding Agent resolves edge cases like cross-cultural name mismatches (reaching roughly 88% auto-resolution), a Sanctions Screening Agent audits PEP and adverse-media alerts, a Merchant Risk Agent scores merchants and detects transaction laundering, and a Disputes Agent assembles chargeback evidence packages. Sardine has raised $145 million total, including a $70 million Series C led by Activant Capital with participation from Andreessen Horowitz, Visa, Google Ventures, and Moody's Analytics.
Vendor details
Canonical URL
https://www.sardine.ai
Category
Enterprise operations agent
Subcategory
Fraud, risk & AML compliance platform
Funding status
$145M raised total. $70M Series C (Feb 2025) led by Activant Capital, with Andreessen Horowitz, Visa, Google Ventures, Nyca Partners, Moody's Analytics, and Experian Ventures; builds on a $51.5M Series B (2022). 130% YoY ARR growth in 2024.
Company status
independent
Use cases & customers
Primary use cases
Target customers
Deployment options
Integrations
One lightweight SDK combines device intelligence and behavior biometrics; integrates 35+ data/vendor sources and a cross-industry fraud consortium for shared intelligence. A no-code rules engine evaluates 4,000+ fraud features in real time (back-test or shadow mode), and a Feedback API continuously retrains ML models. Unifies KYC/KYB, sanctions screening, AML transaction monitoring, case management, and credit underwriting in one platform.
In practice
Fraud, AML, and credit each run on separate tools that don't share signal. Sardine unifies all three on one platform, drawing on device intelligence and behavior biometrics from a single SDK.
Your analysts spend hours clearing sanctions and adverse-media alerts. Sardine's Sanctions Screening Agent audits those alerts, so the team works the ones that actually matter.
A chargeback means manually assembling evidence under a deadline. Sardine's Disputes Agent builds the chargeback evidence package, so the response isn't a scramble.
Sources & related URLs
Research sources
Agentic Index coverage score
11.5 / 14 capabilities · 82%
| Integrations & Tool CallingWeb verification 2026-07-05 (sardine.ai, G2 reviews) | Partial |
|---|---|
| Workflow OrchestrationWeb verification 2026-07-05 (sardine.ai/platform) | Full |
| Knowledge Grounding & RAGWeb verification 2026-07-05 (sardine.ai, Series C announcement) | Full |
| Human Oversight & GuardrailsWeb verification 2026-07-05 (sardine.ai product updates, Series C announcement) | Full |
| Security, Identity & GovernanceWeb verification 2026-07-05 (sardine.ai product updates Feb 2026) | Full |
| Observability & AuditabilityWeb verification 2026-07-05 (sardine.ai product updates Jan/Feb 2026) | Full |
| Memory & State PersistenceWeb verification 2026-07-05 (sardine.ai product updates Feb 2026) | Partial |
| Deployment & Data ResidencyWeb verification 2026-07-05 (sardine.ai, G2 reviews) | Partial |
| Prebuilt Agents, Templates & PacksWeb verification 2026-07-05 (sardine.ai/platform) | Full |
| Triggers & Channel CoverageWeb verification 2026-07-05 (sardine.ai product updates Jan 2026) | Full |
| Model Flexibility & RoutingWeb verification 2026-07-05 (sardine.ai/platform) | Partial |
| APIs, SDKs & MCP ExtensibilityWeb verification 2026-07-05 (sardine.ai product updates) | Full |
| Testing, Debugging & OptimizationWeb verification 2026-07-05 (G2 reviews, secondary) | Partial |
| Browser & Computer UseWeb verification 2026-07-05 (sardine.ai) | Full |
The Agentic Index coverage score grades every vendor Full, Partial or Unable to verify against the same 14 buyer facing capabilities, from public evidence only. Each capability links to how all vendors in the index score on it. How this evidence is graded
Recent platform changes
Business Details headers became configurable with up to 12 fields and org-wide/default layouts.
Bears on: Workflow orchestration
View sourceDevice Intelligence now supports up to three custom charts, and the prior map visualization was removed.
Bears on: Observability / auditability
View sourceSardine added multi-party AML screening for wire transactions so one API call screens sender, sender bank, receiver, receiver bank, and memo.
Bears on: Security / enterprise
View sourcePricing
Contact sales (~$30k+/yr typical)
usage
Included quota
Platform fee scoped by transaction volume and licensed surfaces (fraud only versus fraud plus AML plus crypto); per event API fees on top at high volume.
What is public
Sardine does not publish list prices. Third party 2025 to 2026 reporting puts real contracts at roughly 30,000 to 200,000+ dollars a year depending on transaction volume, licensed surfaces (fraud versus fraud plus AML plus crypto), and implementation support, with per API call fees of a few cents per scored event at high volume. Sales demo is the entry point.
Billing mechanics
Sales led custom quotes: an annual platform fee scoped by transaction volume and which surfaces are licensed (fraud, AML compliance, crypto risk), plus per API call fees for high volume customers, typically a few cents per scored event.
Cost watchouts
Per API call fees stack on top of the platform fee for high volume customers, typically cents per scored event, so cost scales with transaction volume. Licensing more surfaces (fraud plus AML plus crypto) raises the platform fee.
Variable cost rationale
Annual platform fee provides a fixed base, but per event API fees at high volume and surface based licensing mean spend grows with transaction volume and product footprint.
Additional watchouts
Cost scales with transaction volume via per event fees, and expanding from fraud only into AML and crypto surfaces raises the platform fee, so multi surface adoption should be modeled before committing.
Sales call required
Yes, required for paid access
Free / trial
Demo on request
Lowest paid plan
None published; custom quote only
Commercial notes
Founded 2020 by ex Coinbase, Revolut, Uber, and PayPal risk leaders; $145M raised through a $70M Series C (Feb 2025) that explicitly funds the agentic AI roadmap. 300+ enterprises across 70 countries including FIS, Ascensus, Deel, GoDaddy, and X.
Key ambiguities
No published list prices; all in cost depends on transaction volume, licensed surfaces, and implementation support. Third party reporting of typical contract ranges is the only public anchor.
Missing data
No published price list, tiers, or per agent pricing; AI agent suite pricing not publicly separated from platform pricing.
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Alternatives to Sardine
The closest documented capability profiles to Sardine among enterprise operations agents tracked by Agentic Index, ordered by similarity on the same 14 point evidence the rankings use. No vendor pays for placement.
- Moveworks11.0 / 14Fuller documented coverage on Integrations & Tool Calling
- Pega12.0 / 14Fuller documented coverage on Integrations & Tool Calling and Deployment & Data Residency
- Appian12.5 / 14Fuller documented coverage on Integrations & Tool Calling and Deployment & Data Residency
- Celonis11.5 / 14Fuller documented coverage on Integrations & Tool Calling and Model Flexibility & Routing
- Legora11.5 / 14Fuller documented coverage on Integrations & Tool Calling and Model Flexibility & Routing
- LexisNexis9.5 / 14A lighter documented profile than Sardine
Similarity is computed from each vendor's Agentic Index coverage score evidence, axis by axis, not from the totals. How this evidence is graded