Sardine

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.

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

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

• Fraud prevention platform
• Anti-money laundering software
• Identity verification platform
• Know your customer solutions
• Transaction monitoring software

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. 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.
2. 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).
3. 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

Go-to-market motion4 records

Distribution channels7 records

Marketing channels9 records

Core 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

Named customers30 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability15 records

Feature9 records

Partnerships

Ten partnerships are on record, tiered flagship and core.

• SardineCon SF (hosted event)flagshipGTM or Marketing Partner · 19 August 2026SardineCon 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 TreasurycoreTechnology or Integration · 25 June 2026Modern 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.
• ModulrflagshipTechnology or Integration · 30 April 2026Sardine 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 ProgramcoreChannel Partner/ Reseller/ Distributor · 10 March 2026Sardine 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 FinancecoreChannel Partner/ Reseller/ Distributor · 9 March 2026Linker 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.
• TempocoreTechnology or Integration · 20 February 2026Tempo, 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)flagshipTechnology or Integration · 17 December 2025Sardine 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 PaymentscoreStrategic or Co-development Partner · 23 October 2024Ingo Payments and Sardine launched a risk-managed instant account funding solution backed by a zero-liability fraud guarantee.
• Experian UK and IrelandcoreStrategic or Co-development Partner · 21 October 2024Experian 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.
• NachaflagshipChannel Partner/ Reseller/ Distributor · 18 September 2024Nacha 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

Direct 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

• Xx.com/sardine
• LinkedInlinkedin.com/company/sardineai

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds7 records

Investors27 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sardine