Sardine.ai: AI-Powered Fraud Prevention & Compliance for Financial Security

Sardine.ai is a cutting-edge AI risk platform engineered to combat financial crime through behavior-based fraud detection and regulatory compliance. Designed for businesses in the fintech, banking, and e-commerce sectors, it leverages proprietary device intelligence and behavior biometrics (DIBB) to deliver real-time protection across the entire customer journey—from onboarding to transactions. With a robust four-layer architecture, advanced anomaly detection, and a model garden for custom ML integration, Sardine.ai enables organizations to automate risk decisioning, reduce fraud losses, and streamline compliance. Its powerful AI Agents handle KYC, sanctions screening, merchant risk, and dispute management, while True Piercing™ technology uncovers hidden fraudster identities and locations. The platform also supports collaborative fraud intelligence via the Sonar Consortium and offers a no-code Rules Editor, Workflow Builder, and Connections Graph to detect fraud rings with ease.

Key Features:

• Behavior-Based Fraud Prevention: Uses device intelligence and behavior biometrics (DIBB) to detect suspicious activity.
• Real-Time Monitoring: Covers account creation, onboarding, payments, deposits/withdrawals, and logins.
• True Piercing™ Technology: Uncovers hidden identities and locations of fraudsters using advanced obfuscation detection.
• AI Agents: Automates key risk processes including KYC Onboarding, Sanctions Screening, Merchant Risk, and Disputes Management.
• Unified Dashboard: Centralized interface for KYC/KYB, investigations, AML monitoring, and case management.
• Smart Signals: Leverages billions of data points from device, behavior, identity, financial, and transaction sources.
• No-Code Rules Editor: Enables rapid rule creation using over 4,000 signals and custom data fields.
• Pre-Built Rulesets: Ready-to-use configurations for identity verification, payments, counterparty risk, and AML.
• Feature Store: Contains 4,800+ expert fraud features derived from billions of sessions, ideal for custom ML model training.
• Anomaly Detection: Identifies real-time anomalies and emerging 'zero day' fraud threats.
• Network Graph (Connections Graph): Visualizes suspicious links between users, devices, and accounts to uncover fraud rings.
• Sponsor Bank OS: A newly launched solution for bank risk oversight and compliance.
• B2C Credit Underwriting: AI-driven credit assessment for consumer lending.
• Data Integration: Connects with 40+ data providers for phone, email, SSN, geo, credit, and banking verification.
• Model Garden Infrastructure: Supports deployment of customer or third-party ML models via GCP or Snowflake.
• GenAI-Powered Case Management: Automates SAR narrative writing and generates SQL rules with AI assistance.
• A/B Testing for Data Providers: Ensures optimal data coverage, performance, and quality.
• Risk Data Packs: Pre-packaged data sets for enhanced fraud detection and compliance workflows.
• Sonar Consortium: Collaborative fraud intelligence network for financial institutions and FinTechs.
• 24x7 Support & Dedicated Account Management: Includes assigned account managers and a dedicated Slack channel.

Pricing: Sardine.ai offers a flexible pricing model with a free trial available for businesses to experience its full suite of tools. The platform is primarily subscription-based, with enterprise-tier plans tailored to high-volume financial and compliance needs.

Conclusion: Sardine.ai stands as a market-leading AI risk platform, combining real-time intelligence, advanced machine learning, and collaborative data sharing to deliver unparalleled fraud prevention and compliance automation—proven to reduce chargebacks by 90% and recover 84% of blocked transactions, making it an essential tool for modern financial security.