Sardine

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Sardine is an AI risk platform that unifies fraud prevention, AML compliance, and credit underwriting in a single system for banks, fintechs, and merchants. Founded in 2020 in San Francisco by former risk and compliance leaders from Coinbase, Revolut, Uber, and PayPal, the company has profiled more than 2.2 billion devices and screens over $1.48 trillion in payments, serving 450+ enterprise customers including FIS, Deel, GoDaddy, Ascensus, and X. The platform's foundation is deep behavioral data: a single SDK captures device intelligence and behavior biometrics during active sessions, enriched by a cross-industry fraud consortium and over 4,000 engineered fraud features. A no-code rules engine evaluates those features in real time (back-testable against historical data or runnable in shadow mode) and machine-learning models output risk scores in milliseconds. Fraud, AML, and credit teams work from one connected platform spanning KYC/KYB, sanctions screening, AML transaction monitoring, case management, and credit decisioning, with network-graph tools to surface coordinated activity. Sardine has since layered agentic AI on top, branding itself an agentic risk platform. Its AI agents automate the most time-consuming parts of risk operations while preserving audit trails and human oversight: a KYC Onboarding Agent resolves edge cases like cross-cultural name mismatches (reaching roughly 88% auto-resolution), a Sanctions Screening Agent audits PEP and adverse-media alerts, a Merchant Risk Agent scores merchants and detects transaction laundering, and a Disputes Agent assembles chargeback evidence packages. Sardine has raised $145 million total, including a $70 million Series C led by Activant Capital with participation from Andreessen Horowitz, Visa, Google Ventures, and Moody's Analytics.