Sardine AI

Autonomous AI agents triage alerts, run onboarding reviews, and assist investigations across both fraud and AML queues. They are built to be explainable and to operate alongside human analysts, which is critical for regulated environments where every decision must be auditable. This reduces manual case-handling load for risk teams managing high alert volumes.

Sonar lets member institutions share anonymized risk signals — mule accounts, repeat abusers, fraud rings — across fintech, banking, and commerce. This cross-institution intelligence exposes coordinated patterns that any single organization would miss, while preserving privacy through anonymization. It becomes a structural moat as the network grows.

Sardine has profiled 5.4 billion devices, capturing behavioral biometrics, device fingerprints, and session signals to detect bots, account takeovers, and synthetic identities at the moment of interaction. These signals feed onboarding, payment, and login decisions in real time. The depth of telemetry is one of Sardine's strongest competitive moats.

A single onboarding stack handles Global KYC, KYB, identity and document verification, bank account verification, and credit underwriting. Risk teams can configure orchestrated workflows that route applicants through the right checks based on geography, risk level, and product. This replaces the multi-vendor onboarding stacks that most fintechs assemble today.

A flexible rules engine with workflow automation lets analysts encode policies without engineering tickets, while the connections graph visualizes relationships between users, devices, payment instruments, and accounts to surface fraud rings. Combined with case management, this gives investigators a unified workspace from alert to disposition. The graph is particularly useful for first-party fraud and synthetic identity investigations.