Sardine
Also known as: Sardine AI, SardineAI Corp.
AI-powered fraud detection and compliance platform with agentic workflow automation.
Sardine is an agentic risk platform that unifies fraud prevention, AML compliance and real time transaction monitoring for banks, fintechs and merchants. Customers include FIS, GoDaddy, Experian, Intuit, Nubank, Gusto, Deel and SeatGeek.
Its foundation is proprietary device intelligence and behavior biometrics captured across the customer journey, machine learning models trained on billions of data points, cross industry consortium intelligence, a connections graph that maps relationships between users, devices, addresses and transactions, and a rules engine with which a risk team creates, tests and deploys rules and workflows without engineering support.
Modular products cover onboarding (global KYC and KYB, identity, document and bank verification, credit underwriting), fraud prevention across payments, bank transactions, card issuing, merchants, refunds and policy abuse, cyber security (account takeover, bot detection, job applicant fraud), and AML compliance (transaction monitoring, customer risk rating, sanctions screening, case management, sponsor banking).
On top of that platform Sardine sells Agentic Fraud Ops and Agentic AML Ops: ten named agents, among them OSINT Search, Doc KYC, PEP and Sanctions Screening, Business Due Diligence, Graph Analyst, Rule Assistant and SAR Generation, that clear false positives from alert queues, complete enhanced due diligence and business verification in minutes, surface mule rings and relationships, convert plain language into production monitoring rules and tune their thresholds, and draft case summaries and SAR narratives, each returning a recommendation with rationale for an analyst's decision inside case management with an audit trail at every step.
The company reports 441 million consumers, 3.2 million businesses, 6.6 billion devices and 1.67 trillion dollars of transaction volume across its platform. Customers integrate through Sardine's SDK and API with a developer portal and status page, and pricing is by contact.
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
9.0 / 14 capabilities · 64%
| Integrations & Tool Calling | Partial |
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Agents are described as integrated with the customer's data and compliance workflows, and they research businesses across registration records, filings, licenses and online sources. The platform returns decisions and routes cases through its own case management, and the customer integrates by calling Sardine through its SDK and API. No catalog of connectors into third party systems and no customer added tool framework is documented on the public pages, and the integration guides sit behind the documentation login. SourceSardine, sardine.ai/agentic-ai-for-aml and docs.sardine.airead 2026-09-06 |
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| Workflow Orchestration | Full |
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Agents are composed per workflow: alert reviews run the Doc KYC, PEP Screening, OSINT Search and Sanctions Screening agents together, business verification runs Business Due Diligence, OSINT, Graph Analyst and Doc KYC, and the Data Analyst and Rule Assistant agents pair on rule creation, with rules, workflows and case management routing cases and follow ups; a customer testimonial on the page describes the system triaging alerts, opening cases and routing follow ups automatically. Multi agent, multi step execution with a customer facing rules and workflow builder is documented. SourceSardine, sardine.ai/agentic-ai-for-aml and sardine.airead 2026-09-06 |
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| Knowledge Grounding & RAG | Full |
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The platform maintains a connections graph mapping relationships between users, devices, IP addresses, phones, emails and transactions that the Graph Analyst Agent queries to surface mule rings and relationships. It also keeps a case store holding customer history and prior findings the agents draw on, and consortium fraud intelligence across billions of devices. These persist, scale past a context window and stay queryable. The OSINT research an agent performs per case is context assembled per run rather than a maintained store. SourceSardine, sardine.ai and sardine.ai/agentic-ai-for-amlread 2026-09-06 |
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| Human Oversight & Guardrails | Full |
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Every alert triage arrives as a disposition recommendation with rationale for human review, business verification packages findings so analysts approve low risk cases and review higher risk ones, the SAR agent drafts only if the analyst decides to file, and the page states agents work within defined workflows under structured human oversight rather than replacing analyst judgment. The review and approve surface is the vendor's own case management. SourceSardine, sardine.ai/agentic-ai-for-amlread 2026-09-06 |
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| Security, Identity & Governance | Not documented |
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Attestation and control documentation live in a Vanta security portal at security.sardine.ai. No SSO, RBAC or certification statement appears on the main site or in the public documentation, and the documentation home states that the full technical suite is behind a login, so the controls look gated rather than absent. No SOC 2 report, SSO or role based access detail is available outside that portal. Sourcesecurity.sardine.airead 2026-09-06 |
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| Observability & Auditability | Full |
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The Agentic AML Ops page documents defensible audit trails at every step, audit ready documentation maintained by the agents, a rationale attached to each disposition recommendation, and case summaries that link transactions, alerts, customer history, findings and supporting evidence in one view for governance and regulator review. No exportable log of user actions is documented on the public pages. SourceSardine, sardine.ai/agentic-ai-for-amlread 2026-09-06 |
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| Memory & State Persistence | Not documented |
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Case management centralizes alerts, transactions, customer history, investigation findings and decisions, and agents draw on that history when summarizing a case. That is the application's data model and audit record rather than a memory layer. No memory with a stated scope and lifetime, and no conversational session state, is documented. SourceSardine, sardine.ai/agentic-ai-for-aml and sardine.airead 2026-09-06 |
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| Deployment & Data Residency | Not documented |
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Where customer data is hosted is not stated: no hosting provider, region, customer environment option or sub processor list is published on the main site or in the public documentation. A security portal runs at security.sardine.ai. Sourcesecurity.sardine.airead 2026-09-06 |
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| Prebuilt Agents, Templates & Packs | Full |
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The homepage names ten prebuilt agents a customer adopts (OSINT Search, Data Analyst, Rule Assistant, Transaction Monitoring, Business Due Diligence, Doc KYC, PEP Screening, Graph Analyst, Sanctions Screening, SAR Generation), sold as Agentic Fraud Ops and Agentic AML Ops, over a catalog of modular product building blocks across onboarding, fraud prevention, cyber security and AML compliance. Each agent stands alone, so removing the SAR Generation Agent leaves the screening and research agents whole. SourceSardine, sardine.ai and sardine.ai/agentic-ai-for-amlread 2026-09-06 |
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| Triggers & Channel Coverage | Full |
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Events inside the platform hand work to the agents. Transaction monitoring, sanctions, PEP and KYC alerts generated by the rules engine and screening are handed to the agents for triage, onboarding applications submitted through the customer's integration are reviewed in real time, and rules fire on transactions across onboarding, login and payment flows. Customer testimonials on the page describe alerts handed off automatically in real time. Starts are event driven, from the platform's own detection and the web application. No customer configurable schedule or webhook surface is documented on the public pages. SourceSardine, sardine.ai/agentic-ai-for-aml and sardine.airead 2026-09-06 |
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| Model Flexibility & Routing | Not documented |
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The language model behind the agents is not named, and no customer or admin model selection or vendor side routing across providers is documented. The platform's own fraud and credit models, which the homepage says customers can build, test and deploy and a customer testimonial says they train, are machine learning tooling rather than a choice of the model the agents run on. SourceSardine, sardine.airead 2026-09-06 |
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| APIs, SDKs & MCP Extensibility | Full |
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Sardine is sold as an API and SDK platform with a developer portal at docs.sardine.ai and a public status page. The documentation home names an API Reference for detecting fraud and risk and integration guides for onboarding users, and the public tier documents getting started, sandbox access and the integration timeline. The full API reference and integration guides sit behind a dashboard login, which is the access path customers use. SourceSardine, docs.sardine.ai and docs.sardine.ai/llms.txtread 2026-09-06 |
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| Testing, Debugging & Optimization | Full |
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The Agentic AML Ops page documents that a customer can create, test and roll out transaction monitoring rules on the platform without engineering support, and that the Rule Assistant Agent tunes rule thresholds to improve alert quality, fire rates and monitoring coverage. That is a change to the customer's detection logic evaluated against measured outcomes before and after release on the vendor's own surface. SourceSardine, sardine.ai/agentic-ai-for-amlread 2026-09-06 |
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| Browser & Computer Use | Partial |
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The OSINT Search Agent searches online sources, social media and public databases at run time for each alert or case, so the agent does its own web research rather than drawing on a prebuilt index. The mechanism it uses is not stated. The device intelligence and behavior biometrics SDK runs inside the customer's own application, which is the product running in a browser rather than an agent operating one, and bot detection detects agentic automation rather than performing it. No browser, desktop or computer control that the agent drives is documented. SourceSardine, sardine.ai/agentic-ai-for-aml and sardine.airead 2026-09-06 |
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The Agentic Index coverage score grades every vendor Full, Partial or Not documented 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
Sardine launched Agent Hub, a central place to manage, evaluate and work with all of its AI agents, including Doc KYC and OSINT Search, with context available to investigators during a case.
Bears on: Workflow orchestration
View sourceBusiness 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 sourcePricing
Contact for pricing
usage
What is public
Sardine publishes no pricing page and no price, and every page carries Contact us and a demo request. The public documentation index lists a How Sardine Bills guide describing the billing model by product. Sandbox access is requested through the vendor. No tiers, rate card, trial or free tier are published.
Billing mechanics
Not published on the marketing site. The public documentation lists a How Sardine Bills guide that describes the billing model by product.
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
Quote only. The billing model is set out in the How Sardine Bills guide, so ask for it before negotiating.
Sales call required
Yes, required for paid access
Free / trial
Demo on request
Lowest paid plan
Not published
Key ambiguities
How billing works by product is set out in a How Sardine Bills guide listed in Sardine's documentation, so ask for it before a quote.
Missing data
No published price list, tiers or per agent 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.
- Bretton AI10.0 / 14Adds documented Security, Identity & Governance and Deployment & Data ResidencySardine vs Bretton AI →
- ketteQ9.0 / 14Adds documented Security, Identity & Governance
- Ramp10.0 / 14Adds documented Security, Identity & Governance
- Unit219.0 / 14Adds documented Security, Identity & GovernanceSardine vs Unit21 →
- Metix AI6.5 / 14A lighter documented profile than Sardine
- Nova Recruiter8.5 / 14Adds documented Security, Identity & Governance
Similarity is computed from each vendor's Agentic Index coverage score evidence, axis by axis, not from the totals. How this evidence is graded