Sardine is a San Francisco-based fraud prevention, AML compliance, and risk management platform for fintechs, banks, marketplaces, and crypto VASPs. It unifies onboarding (KYC, KYB, document and bank verification), device intelligence and behavioral biometrics, payment and card fraud scoring, AML transaction monitoring, sanctions screening, and case management into a single risk operating system. Sardine's "agentic" layer applies atomic agents (OSINT, data analysis, transaction monitoring, business due diligence, sanctions screening) to compress investigation time from days to minutes, while Sonar provides cross-industry fraud intelligence across the consortium. The platform serves 400+ enterprise customers including FIS, GoDaddy, Intuit, Nubank, Novo, and bunq, has screened $1.3T+ in payments, and profiled 5.4B+ devices. Sardine has raised ~$170M from Andreessen Horowitz, Visa, Experian, Google Ventures, FIS, and others. Public docs cover the risk landscape and integration overview; full API reference, SDKs, and sandbox access are gated and require a Sardine account.
Sardine is listed with 6 APIs on the APIs.io network. Tagged areas include Fraud Prevention, AML, Compliance, KYC, and KYB.
Sardine’s developer surface includes developer portal, documentation, getting-started guide, support, engineering blog, tooling, pricing, and 33 more developer resources.
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Markets this provider is in provisional
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Capture device, network, and behavioral signals from web, iOS, and Android SDKs and resolve them to a Sardine device session for downstream scoring. Powers account takeover prot...
Submit payment, ACH, wire, card, and crypto transactions for real-time fraud scoring and AML transaction monitoring. Backs Sardine's card chargeback guarantee program and ACH in...
Real-time card authorization fraud scoring for card issuers. Returns an approve/decline/step-up recommendation on each authorization event using Sardine's issuer-specific ML mod...
Crypto-specific risk and compliance APIs covering wallet screening, on-chain attribution, and Travel Rule messaging for VASPs (Virtual Asset Service Providers). Tracked as Crypt...
Programmatic access to Sardine's unified case management surface for fraud and AML investigations. Cases are routed through Sardine's "atomic agents" — OSINT search, data analys...
Sponsor Banking Risk Management for BaaS sponsor banks
Credit Underwriting tools and bank/cash flow verification
Crypto compliance APIs including wallet screening and Travel Rule
400+ enterprise customers including FIS, GoDaddy, Intuit, Nubank, Coastal, Experian, Kalshi, Ascensus, Gusto, Deel, Novo, bunq, Prezzee, Raise, SeatGeek, ZoomInfo, LHV, Whop, First Federal Bank of Kansas City
Investors include Andreessen Horowitz, Visa, Experian, Google Ventures, FIS, Activant Capital, Moody's Analytics, Geodesic Capital, Nyca Partners, Cross Creek Advisors, XYZ Venture Capital, NA Ventures (~$170M total raised)
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