Sardine provides an AI-powered risk platform that helps banks, fintechs, and online retailers prevent fraud, ensure compliance, and protect customers from financial crime. The platform combines proprietary device intelligence and behavior biometrics with machine learning to detect suspicious activity in real time across the entire customer journey.

The platform captures behavioral signals from every user session, including mouse movements, typing patterns, device characteristics, and navigation behaviors. This continuous monitoring enables Sardine to identify fraud patterns that traditional solutions miss, such as account takeovers, social engineering scams, synthetic identities, bot attacks, and money laundering. By analyzing how users interact with applications rather than relying solely on static data points, Sardine can distinguish between legitimate customers and fraudsters even when stolen credentials are used.

Sardine enriches its behavioral data with information from over 40 leading data providers covering phone verification, email validation, identity checks, credit bureaus, and banking data. The platform then applies custom machine learning models trained on specific customer sessions and fraud typologies to generate real-time risk scores. This layered approach combines device signals, behavioral biometrics, data enrichment, and machine learning to create a comprehensive fraud prevention system.

The platform offers modular solutions for identity verification, payment fraud prevention, AML transaction monitoring, bank account validation, card issuing fraud, merchant risk assessment, and credit underwriting. Organizations can deploy individual modules or use the complete platform to manage risk across all customer touchpoints. Sardine also provides AI agents that automate time-consuming compliance tasks, including KYC verification, sanctions screening, merchant onboarding, and dispute management.