Fraud is no longer a predictable game of whack-a-mole. Today’s threat actors move fast, shift tactics, and exploit every digital weakness—from account-takeover attacks and synthetic identities to complex money-laundering operations and bot-driven credential stuffing. For companies that depend on digital trust, the stakes are enormous: one fraud incident can damage reputation, shrink margins, and trigger regulatory scrutiny. In that shifting landscape, Sardine has positioned itself as the risk-platform built for the era of real-time fraud and compliance. Sardine offers a unified risk stack: device intelligence and behavior biometrics, identity and account-funding fraud detection, payment-fraud prevention, AML transaction monitoring, and cross-channel security for fintechs, banks, and digital platforms. Unlike legacy vendors that address only a slice of the problem, Sardine stitches together every stage of the user lifecycle—from onboarding to payments, log-ins, funds transfers, and dispute resolution. Their aim is to collapse complexity and let security teams act decisively.

One of the most striking features of Sardine’s architecture is its emphasis on behavioral and device intelligence. Fraudsters often rely on subtle cues—emulators, VPN masking, browser tampering, reused session patterns, copy-paste fields or remote access tools. Sardine claims proprietary signals that unmask those hidden behaviors: “device and behavior” is the foundation of their risk engine. By blending device fingerprinting with behavioral biometrics, they give clients a far richer view of trust. A single risk score tells whether a user is legitimately engaging or faking their identity—before funds move. That intelligence is deployed within a modular structure. Sardine’s platform offers building blocks for identity fraud detection, KYC/KYB, bank-account verification, payment-fraud prevention, bot detection, account takeover, and more. Clients can select only the modules they need, but the underlying data layer remains shared—so insights from onboarding feed payment risk models, which in turn strengthen surveillance of payment-networks. The effect: fewer data silos, faster detection, and consolidated vendor footprints.

For example, Sardine’s device-behavior layer supports real-time decisioning for payments: card funding, ACH transfers, internal funding flows. When a funding request or card transaction arrives, Sardine’s engine assesses device history, behavioral anomalies, reputation signals, network connections and account history to compute risk. If something smells wrong, transaction flows can be halted or stepped-up with additional verification. Meanwhile, authorized flows proceed smoothly—driving both security and conversion.

The platform also tackles the compliance side—something many fraud-teams struggle to manage in parallel with detections. AML transaction monitoring, sanctions screening, case-management tools and GenAI-enabled writing of SAR narratives are built into the same fabric. This dual approach means risk teams no longer toggle between vendor consoles; they manage policy, investigation, reporting and workflow from one integrated system. In fact, Sardine’s business impact is compelling. Over 300 global enterprises rely on its platform—including banks, fintechs, marketplaces and emerging digital-asset ecosystems. The company reports profiling over 2.2 billion devices, screening billions in payments annually, and achieving strong year-over-year growth. A recent funding round of $70 million underlined investor confidence and the urgency of the market. But numbers only tell part of the story. What truly differentiates Sardine is how it enables teams to keep pace with fast-moving fraud without endless vendor complexity. One client described Sardine’s support as becoming an extension of their fraud ops team: the platform reduced rule-deployment timelines from days to hours, consolidated multiple vendors, and enabled faster growth without increasing risk exposure.

In today’s fraud environment, traditional checks and rule-lists simply don’t suffice. Fraud rings and money-laundering networks deploy machine-learning to find blind spots, synthetic-identity cloaks that mimic real behavior, and coordinated bots that traverse multiple platforms. Sardine’s strategy acknowledges this: detection must be continuous, adaptive, and network-aware. By leveraging proprietary device/behavior data, integrating enrichment from dozens of vendors, and applying graph-based network analysis, Sardine surfaces relationships that would otherwise remain hidden behind institutional boundaries. Consider their “Connections Graph” tool: it links devices, IPs, phones, cards, accounts, emails and identities to reveal mule-networks, bust-out schemes, card-funding fraud rings and other fraud clusters. When actors attempt to replicate the same pattern across platforms, the system spots the connection—and enables one-click takedown of entire networks. This kind of capability transforms investigations from chasing individual alerts to dismantling organized abuse.

Another area of innovation is AI agents designed for risk teams. Sardine has introduced copilot-functions that automate the most tedious tasks: clearing alerts, preparing SAR/CTR filings, synthesizing narrative reports, converting text into rules, and scaling human-review workflows. In an industry where alert volumes have exploded and manual review cannot keep up, automation is no longer optional—it’s essential. Sardine also provides no-code rule editors, back-testing of rule sets, full transparency into feature-engineering, and a dashboard that shows all signals, rules fired and user-journey events in one view. This clarity gives risk teams the observability they lack in legacy systems, enabling faster tuning, fewer false positives and lower friction for legitimate users.

The market is shifting fast—and Sardine is keeping pace. With digital-asset platforms, faster-payments rails, embedded finance, crypto on- and off-ramps, and open-banking flows all growing rapidly, fraud opportunities are multiplying. As enterprises confront the pace and scale of modern fraud, Sardine offers more than protection: it offers the operational leverage and speed that digital-age risk demands. In doing so, it is helping organizations move from reactive defence to proactive resilience—enabling business growth, safeguarding trust and securing the future of digital commerce.