Sardine
Sardine sells an agentic AI risk platform for fraud prevention, AML compliance, onboarding (KYC/KYB/IDV), and real-time transaction monitoring, serving 450+ enterprise banks, fintechs, marketplaces, and crypto firms globally via a unified device, behavior, and consortium-data stack.
- Company typePrivate
- Founded2020
- HeadquartersMiami, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Sardine does
Sardine (legal entity SardineAI Corp.) is a US-based, venture-backed software company that sells an agentic risk platform for fraud prevention, AML compliance, onboarding (KYC/KYB/identity verification/bank verification), real-time transaction monitoring, and credit underwriting. The platform unifies device intelligence, behavioral biometrics, proprietary True Piercing™ VPN/proxy unmasking, graph-based connections analytics, and a cross-industry data consortium (Sardine + wholly-owned subsidiary Sonar) covering 6.21B devices, 670M+ consumers, and 2.8M businesses. On top of this data layer, Sardine operates a suite of specialized AI agents — including OSINT Search, Graph Analyst, Sanctions Screening, Doc KYC, Disputes, and Rule Assistant — that automate fraud and AML investigations, rule optimization, and case management under an Agentic Oversight Framework with audit-ready decisioning.
Sardine serves 450+ enterprise customers across banks (retail, commercial, sponsor, neobank, community), fintechs and BaaS providers (Modulr, Modern Treasury, Helix by Q2, Ingo Payments, bunq, LHV), marketplaces and platforms (Prezzee, Raise, SeatGeek, Whop, Deel), crypto and digital-asset businesses (via Tempo and the Mastercard Crypto Partner Program), and large enterprises (Edward Jones, Gusto, Ascensus, Nubank, GoDaddy, Intuit, Experian, Fiserv, FIS). Distribution combines direct enterprise sales, a developer/API self-serve experience (docs.sardine.ai, single SDK), and an expanding channel/embedded ecosystem (Nacha Preferred Partner, Mastercard Crypto Partner Program, FIS Money Movement Hub, Helix by Q2, Linker Finance for community banks).
Revenue mechanics are quote-based enterprise subscriptions with usage/volume-sensitive components (the company reports 130% ARR growth and a near-doubling of customer base), sold on multi-year contracts. The company has raised $170M total across multiple rounds, most recently a $25M Series C extension led by National Bank of Canada in May 2026 alongside a multi-year deployment. Founded in 2020, Sardine operates from San Francisco (primary HQ), Berkeley, and Miami, with reported activity across 70+ countries.
Sardine firmographics
Firmographics- Name
- Sardine
- Legal name
- SardineAI Corp.
- Website
- https://sardine.ai
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Sardine sells an agentic AI risk platform for fraud prevention, AML compliance, onboarding (KYC/KYB/IDV), and real-time transaction monitoring, serving 450+ enterprise banks, fintechs, marketplaces, and crypto firms globally via a unified device, behavior, and consortium-data stack.
- Ownership category
- akta.pro rank
Sardine industry classification
Industry- Product category
- Fraud Prevention and AML Compliance Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Case Management, Investigations & SAR/STR Filing (FSAMAMAF)
- akta.pro secondary industries
- Regulatory Reporting & Recordkeeping (AML/CTF) (FSAMAMAG), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Sardine is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Sardine business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Platform subscription (agentic risk platform): Recurring SaaS-style subscription sold to banks, fintechs, and marketplaces for access to Sardine's combined onboarding (KYC/KYB/IDV/bank verification/credit underwriting), fraud prevention, AML compliance, and device/behavior platform. Customer outcomes cited (e.g., 4x ROI on AI agents, automation of nearly 90% of fraud/compliance checks) suggest enterprise contract-based pricing tied to volume, modules enabled, and scale.
- Usage / volume-driven ARR: Annual recurring revenue reported with 130% YoY growth and nearly doubling of customer base, indicating transaction- or volume-sensitive components within the platform contracts (e.g., per-screen, per-API-call, or per-transaction economics layered on top of base subscriptions).
- Enterprise services / partner enablement: Joint go-to-market and integration revenue via sponsor banks, BaaS cores (e.g., Helix by Q2), Nacha Preferred Partner status, and Mastercard Crypto Partner Program, where Sardine is embedded into partner platforms and revenue is shared or expanded via partner-led deployments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based enterprise contract; no public pricing tiers |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels9 records
Sardine product offering
Product offeringCore offering
Sardine sells a unified B2B SaaS agentic risk platform that consolidates fraud prevention, AML compliance, real-time transaction monitoring, KYC/KYB onboarding, and credit underwriting for banks, fintechs, marketplaces, payments providers, and crypto businesses. Customers access the platform via API and integrate it into onboarding, payment, and case-management workflows; Fortune 500 customers are cited as having consolidated 11 risk vendors into Sardine, with the platform screening $1.48 trillion in payments across 450+ enterprise customers in 70 countries.
Product overview
Sardine is an agentic risk platform — branded as the "Agentic Financial Crime Platform for Fraud Prevention & AML" — offered as a unified platform composed of modular products spanning four solution pillars: Onboarding (Global KYC, Global KYB, Identity Verification, Document Verification, Bank Verification, Credit Underwriting), Fraud Prevention (Agentic Fraud Ops, Device & Behavior, Payment Fraud, Bank Transactions, Card Issuing Fraud, Merchant Monitoring, Policy Abuse, Refund Fraud), Cyber Security (Account Takeovers, Bot Detection, Job Applicant Fraud), and AML Compliance (Agentic AML Ops, Transaction Monitoring, Customer Risk Rating, Sanctions Screening, Case Management, Sponsor Banking). These modules run on shared platform infrastructure including a Rules Engine, Machine Learning models, a Connections Graph, Consortium Data via Sonar, a Fraud Dashboard, and AI Agents (OSINT Search Agent, Data Analyst Agent, Rule Assistant Agent, Transaction Monitoring Agent, Business Due Diligence Agent, Doc KYC Agent, PEP Screening Agent, Graph Analyst Agent, Sanctions Screening Agent) that automate risk operations end-to-end. Per the company's own site, Fortune 500 customers have consolidated 11 risk vendors into Sardine, and the platform serves 450+ enterprise customers, screens $1.48T in payments, and profiles 6.21B devices.
Differentiator
Problem solved
Functional benefit
Brands
- Sonar: Cross-industry fraud intelligence consortium data platform providing shared registry connections and network-level intelligence to surface emerging high-risk entities, devices, and identities. Operates at joinsonar.com.
Products and services
- Sardine Platform (Agentic Financial Crime Platform) Unified B2B SaaS agentic risk platform that consolidates fraud prevention, AML compliance, real-time transaction monitoring, KYC/KYB onboarding, and credit underwriting into a single workflow for banks, fintechs, marketplaces, payments providers, and crypto businesses; Fortune 500 customers are cited as having replaced 11 risk vendors with Sardine, screening $1.48T in payments across 450+ enterprise customers.
- AI Agents for Risk Operations Suite of specialized AI agents for risk operations including OSINT Search, Data Analyst, Rule Assistant, Transaction Monitoring, Business Due Diligence, Doc KYC, PEP Screening, Graph Analyst, Sanctions Screening, Dispute Filing, and Anomaly Detection agents that automate KYC, sanctions screening, merchant risk, and disputes handling for fraud and compliance teams.
- Sonar (Consortium Data) Sardine's cross-industry fraud intelligence consortium providing network-level intelligence and shared risk signals from billions of devices and consumers; accessible as a stand-alone data product and integrated into Sardine's platform.
Quantifiable outcome
- Up to 70% increase in approval rates and 50% lower card fraud at Prezzee
- +9 more outcomes
Companies that use Sardine
Customer profileNamed customers30 records
Segments6 records
Ideal customer profiles5 records
Sardine technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability15 records
Feature9 records
Sardine partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered flagship and core.
- SardineCon SF (hosted event)flagshipSardineCon 2026 SF is the annual Sardine-hosted industry event scheduled for August 19, 2026 at the Golden Gate Club at The Presidio in San Francisco, focused on agentic risk operations with speakers and attendees from banks, fintechs, and risk leaders.
- Modern TreasurycoreModern Treasury announced a partnership with Sardine to integrate real-time transaction monitoring and fraud detection capabilities into its payments platform. The combined solution enables businesses to monitor transactions across stablecoins, ACH, Wire, RTP, FedNow, and Push-to-Card through a single API, while also providing wallet screening and automated risk checks.
- ModulrflagshipSardine partnered with Modulr to integrate AI-enabled fraud detection and anti-money laundering capabilities into Modulr's Risk & Compliance Hub. The integration brings Sardine's AI (analyzing 12,000+ real-time signals across 5.5B devices, 670M consumers, and 2.8M businesses) into Modulr's platform that processes over £180 billion in annual payment value for 6,000+ businesses.
- Mastercard Crypto Partner ProgramcoreSardine participates in Mastercard's Crypto Partner Program, a global initiative bringing together 100+ crypto-native companies, payments providers, and financial institutions to integrate digital assets with card rails and global commerce flows.
- Linker FinancecoreLinker Finance and Sardine announced a strategic partnership to integrate Sardine's real-time fraud detection (device, behavioral, and transaction risk signals) into Linker's modular community-bank platform. The integration covers deposit account opening, funding, payments, KYC/KYB verification, and AML monitoring workflows, giving community banks enterprise-grade anti-fraud protection.
- TempocoreTempo, a blockchain financial solutions provider, has integrated compliance controls directly into its core network infrastructure. Sardine is one of the partner firms (alongside TRM Labs, Blockaid, and Chainalysis) offering integrated sanction screening, wallet restrictions, emergency freezing capabilities, and asset recovery through Tempo's TIP-20 token standard.
- Helix by Q2 (NYSE: QTWO)flagshipSardine and Helix by Q2 partnered to integrate Sardine's risk management platform with Helix's cloud-native banking-as-a-service core, providing real-time fraud monitoring, fraud interdiction, and BSA/AML compliance tools to sponsor banks and fintechs across all payment rails.
- Ingo PaymentscoreIngo Payments and Sardine launched a risk-managed instant account funding solution backed by a zero-liability fraud guarantee.
- Experian UK and IrelandcoreExperian UK and Ireland announced a partnership with Sardine, combining Experian's data assets with Sardine's behavioral biometrics and device intelligence for fraud prevention in the UK and Ireland market.
- NachaflagshipNacha announced Sardine as a Preferred Partner for the ACH Network, positioning Sardine as an established player managing risk for bank-based payments and driving value for fintechs and financial institutions.
Scale indicators21 records
Recent moves7 records
Expansion highlights7 records
Sardine competitors and assessment
Company assessmentDirect peers
- Unit21: Unit21 provides no-code AML transaction monitoring, case management, and fraud operations infrastructure, competing directly with Sardine's Rules Engine, Case Management, and Agentic AML Ops capabilities.
- Persona: Persona provides identity verification, KYC/KYB, and document/AML workflow tooling for fintechs and digital platforms, directly competing with Sardine's Onboarding (Global KYC/KYB, Identity Verification, Document Verification) modules.
- Socure: Socure provides identity verification, KYC, and synthetic identity fraud detection using consortium data and ML — competing head-on with Sardine's identity verification and consortium-based synthetic ID detection.
- Sift: Sift is a digital trust and safety / fraud prevention platform offering device intelligence, behavioral signals, and ML-based decisioning for fintechs, marketplaces, and payment platforms — overlapping directly with Sardine's device & behavior and payment fraud modules.
- Feedzai: Feedzai is a financial crime risk operations platform combining fraud detection and AML across payments and banking — overlapping directly with Sardine's Agentic Fraud Ops, Transaction Monitoring, and AML compliance modules.
- Sumsub: Sumsub offers KYC/AML, identity verification, liveness, and fraud prevention across fintech, crypto, and marketplace verticals — directly comparable to Sardine's onboarding, fraud, and AML compliance modules.
- ComplyAdvantage: ComplyAdvantage provides AML transaction monitoring, sanctions screening, and KYC for banks and fintechs — overlapping directly with Sardine's Agentic AML Ops, Sanctions Screening, and Customer Risk Rating modules.
- Alloy: Alloy offers an identity orchestration platform that lets banks and fintechs run KYC, KYB, and fraud workflows across multiple data sources — comparable to Sardine's Global KYC, KYB, and identity orchestration flows.
Emerging players
- Resistant AI: Resistant AI applies AI to detect fraud, document forgery, and money laundering across onboarding and transactions — comparable to Sardine's Document Verification, Identity Verification, and AML modules but with a narrower scope.
- Effectiv: Effectiv is an AI-native fraud and AML platform serving fintechs and banks with real-time decisioning and case management — overlapping with Sardine's ML and AI agent-based fraud/AML stack but at an earlier scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Sardine social profiles
Digital presenceSardine compliance and trust
Trust signalCompliance4 records
Sardine financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sardine leadership team
Management profileNumber of profiles
Profiles6 records
Sardine subsidiaries and ownership
Company hierarchySubsidiaries1 record
Sardine funding detail
Funding detailFunding overview
Funding rounds7 records
Investors27 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sardine M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sardine
What does Sardine do?
Sardine sells a unified B2B SaaS agentic risk platform that consolidates fraud prevention, AML compliance, real-time transaction monitoring, KYC/KYB onboarding, and credit underwriting for banks, fintechs, marketplaces, payments providers, and crypto businesses. Customers access the platform via API and integrate it into onboarding, payment, and case-management workflows; Fortune 500 customers are cited as having consolidated 11 risk vendors into Sardine, with the platform screening $1.48 trillion in payments across 450+ enterprise customers in 70 countries.
Is Sardine a public or private company?
Sardine is a private company. It is classified as venture growth investor backed and is currently operating.
When was Sardine founded?
Sardine was founded in 2020. It employs 251 to 500 people.
Where is Sardine based?
Sardine is headquartered in Miami, United States, in the North America region.
How does Sardine make money?
Three revenue lines are on record. Platform subscription (agentic risk platform) is the primary driver. The others are usage / volume-driven ARR and enterprise services / partner enablement.
Who are Sardine's main competitors?
Direct peers on record are Unit21, Persona, Socure, Sift, Feedzai, Sumsub, ComplyAdvantage and Alloy. Emerging players are Resistant AI and Effectiv.
Does Sardine have an API?
Yes. Sardine offers a public, partner-facing REST API for integrating fraud prevention, AML compliance, KYC/KYB, and real-time transaction monitoring capabilities into customer platforms and workflows. The API enables real-time transaction monitoring, wallet screening, automated risk checks, sanctions screening, and auditable ledgers across multiple payment rails. Authentication and rate limits are not specified in the source data. The platform integrates with core banking systems, AML transaction monitoring engines, sanctions screening providers, and case management tools through API connections. Developer documentation is at docs.sardine.ai.
What industry is Sardine in?
Sardine's product category is Fraud Prevention and AML Compliance Software. Its primary akta.pro industry code is FSAMAMAF, Case Management, Investigations & SAR/STR Filing, with a secondary code of FSAMAMAG, Regulatory Reporting & Recordkeeping (AML/CTF). Its NAICS code is 522320 and its SIC code is 6200.