Sardine

Sardine is an agentic financial-crime platform that unifies fraud prevention, AML compliance and real-time transaction monitoring in one system — used by leading banks, merchants and fintechs (including crypto exchanges and on-ramps) to stop fraud in real time and automate KYC/AML operations.

Founded in 2021 and headquartered in the USA, Sardine processes risk across 985 million consumers, 3 million businesses and $1.48 trillion in transaction volume, and is trusted by FIS, Experian, Intuit, Nubank, Deel, Gusto, Kalshi and SeatGeek. For crypto businesses, Sardine provides the KYC, bank verification, payment-fraud and sanctions-screening layer that lets on-ramps approve more legitimate transactions while keeping fraud and money-laundering rates low.

Best for: crypto exchanges, on-ramps and fintechs that need enterprise-grade fraud and AML infrastructure rather than a payment processor — especially those operating in the US and serving high-risk, crypto-native customers.

Sardine is an enterprise risk platform priced per use case and volume, not a per-transaction payment gateway.

Pricing model

• Setup fee — custom (enterprise onboarding).
• Monthly fee — custom, tiered by product modules and transaction volume.
• Per-verification / per-screening fees — apply to KYC, KYB, document verification, bank verification and sanctions screening.
• Transaction monitoring — priced on monitored transaction volume.

Historical on-ramp fees

• Sardine’s earlier instant-ACH crypto on-ramp charged roughly 1.5–2% per transaction; current pricing is negotiated with the sales team based on the modules selected.

Contact Sardine for a quote tailored to your fraud, KYC and AML scope.

Device & behavior intelligence

• Device intelligence — detect risky devices, emulators and malicious bots.
• Behavioral biometrics — analyze user behavior for signs of social engineering.
• True Piercing™ — unmask fraudsters hiding their real location or IP.

Onboarding & identity

• Global KYC & KYB — verify consumers and businesses with broad coverage.
• Identity & document verification — stop synthetic IDs, stolen identities and deepfakes.
• Bank verification — validate account ownership and risk in real time.
• Credit underwriting — build and deploy credit models without engineering support.

Fraud prevention

• Payment fraud — approve more transactions while keeping fraud rates low.
• Bank transactions — monitor ACH, Wires, SEPA, RTP, FedNow, Zelle and checks.
• Card-issuing fraud, merchant monitoring, refund fraud and policy abuse — covered in one platform.

AML compliance

• Transaction monitoring — detect money laundering and mule activity.
• Customer risk rating, sanctions screening and PEP/adverse-media checks.
• Case management — unified workspace for investigations.
• Sponsor banking — enforce risk controls across fintech programs.

Agentic fraud & AML ops

• 10 AI agents — OSINT Search, Data Analyst, Rule Assistant, Transaction Monitoring, Business Due Diligence, Doc KYC, PEP Screening, Graph Analyst, Sanctions Screening and SAR Generation — cut average time to resolution from days to minutes.