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A fraud and financial crime platform covering transaction fraud and scams, account takeover, onboarding and money mules, with device and behaviour signals and shared data across clients.
Sardine is ranked in 2 Buckingham Intelligence indices. Its highest score is 2.6 out of 5 (53 out of 100) in the Fraud Prevention Index, where it ranks 6 of 13. It is strongest for fintechs and banks combining fraud, scams and AML in one system, and its best criterion is fraud coverage at 4 out of 5. Not published or not stated on the pages read: coverage, pricing, security and clients, detection signals and rules and case management.
Also ranked in: Identity Verification and Transaction Monitoring Index (2.3 out of 5, rank 12 of 13).
Scores from the Fraud Prevention Index and Identity Verification and Transaction Monitoring Index 2026.
No award in the Fraud Prevention Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and lenders | 61 | 6 of 13 |
| For payment and e-money firms | 53 | 7 of 13 |
| For fintechs and marketplaces | 45 | 4 of 13 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 47 | 12 of 13 |
| For crypto firms | 48 | 12 of 13 |
| For lenders and marketplaces | 43 | 12 of 13 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Fintechs and banks combining fraud, scams and AML in one system.
Payment and crypto firms combining fraud and AML in one system.
What Sardine publishes on its own pages, read on 22 and 26 October 2026.
A fraud and financial crime platform covering transaction fraud and scams, account takeover, onboarding and money mules, with device and behaviour signals and shared data across clients. It publishes a rules engine, case management and a SAR drafting agent. It publishes no prices, SDK details or go-live time, and the SOC 2 type is not stated.
| Fact | What the provider publishes |
|---|---|
| Coverage | "Protect every transaction from fraud and scams"; account takeover; onboarding; "money mule activity"; payments across "ACH, Wires, SEPA, RTP, FedNow, Zelle, Checks". Chargebacks not published. |
| Pricing | Not published on the pages read. |
| Signals | "Proprietary device and behavioral signals"; behaviour biometrics; "cross-industry fraud intelligence gives you the shared context your internal rules alone cannot deliver"; machine learning models. |
| Operations | "Rules engine and machine learning"; Case Management; "SAR Generation Agent"; Sardine Flow to "automate workflows without code". |
| Integration | Business and entity APIs referenced; no SDK, trial or go-live time on the pages read. |
| Security and clients | Security page refers to SOC2 documentation (type not stated). Logos include Nubank and First Federal Bank of Kansas City. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: sardine.ai, sardine.ai/security.
A fraud and financial crime platform covering identity checks, business checks, sanctions screening, ongoing monitoring and transaction monitoring with 500+ prebuilt rules. It does not publish prices, country counts, certifications by name or data storage terms.
| Fact | What the provider publishes |
|---|---|
| Coverage | Global KYC, Global KYB with screening of "business owners, UBOs, and controllers", sanctions screening ("sanctions, PEPs, and adverse media"), ongoing monitoring (CDD refreshes and periodic reassessments) and transaction monitoring. |
| Pricing | Not published on the pages read. |
| Global reach | Verifies customers "globally" using "150+ data sources"; no country or document counts. |
| Integration | APIs and a documentation site referenced; "500+" pre-built rules for AML scenarios; teams can "backtest against historical data". No SDK, no-code builder or onboarding time published on the pages read. |
| Regulatory standing | Security page: Trust Center holds "SOC2, pentest reports, and other security documentation" (type not stated; documents on request). Homepage logos include Nubank, LHV and First Federal Bank of Kansas City. |
| Data protection | Not published on the pages read. |
| Date read | 22 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 22 October 2026 from: sardine.ai, sardine.ai/kyc-and-kyb, sardine.ai/transaction-monitoring, sardine.ai/security.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Fraud Prevention Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Identity Verification and Transaction Monitoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| SEON | 3.9 | 1 of 13 | Payment and fintech firms wanting a published monthly price and fast set-up |
| Stripe Radar | 3.0 | 2 of 13 | Firms already processing card payments with Stripe |
| Unit21 | 2.9 | 3 of 13 | US banks and fintechs needing fraud rules, investigations and SAR filing together |
| Fingerprint | 2.8 | 4 of 13 | Fintechs wanting device recognition with clear self-serve prices |
| Oscilar | 2.6 | 5 of 13 | US fintechs and payment firms wanting backtesting and case management together |
| Feedzai | 2.6 | 7 of 13 | Large banks needing scam prevention and onboarding risk on one platform |
| DataVisor | 2.6 | 8 of 13 | Banks and credit unions wanting unsupervised machine learning and case tools |
| BioCatch | 2.5 | 9 of 13 | Retail banks fighting scams, mule accounts and account takeover |
| Ravelin | 2.2 | 10 of 13 | Payment providers and online merchants fighting card fraud and chargebacks |
| Sift | 2.1 | 11 of 13 | Fintechs and marketplaces wanting a large shared data network |
| SHIELD | 2.0 | 12 of 13 | Asian e-wallets and apps stopping fake accounts at sign-up and login |
| Bureau | 1.6 | 13 of 13 | Indian lenders and marketplaces stopping fake applications at onboarding |
Full Fraud Prevention Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Sumsub | 4.7 | 1 of 13 | Payment, e-money and crypto firms wanting one platform with published prices |
| Shufti | 4.3 | 2 of 13 | Firms needing the widest published country and watchlist coverage |
| iDenfy | 4.3 | 3 of 13 | Smaller payment and crypto firms wanting published prices and EU data storage |
| Veriff | 4.2 | 4 of 13 | Firms needing wide document coverage with published self-serve prices |
| Socure | 3.5 | 5 of 13 | US firms wanting published startup pricing and bank-grade credentials |
| Ondato | 3.5 | 6 of 13 | EU firms wanting published volume price ranges |
| ComplyAdvantage | 3.0 | 7 of 13 | Firms needing screening and monitoring with a published price table |
| Trulioo | 2.9 | 8 of 13 | Payment firms verifying people and businesses across many countries |
| Persona | 2.9 | 9 of 13 | Firms wanting US or EU data residency and strong security credentials |
| Alloy | 2.7 | 10 of 13 | US banks, credit unions and lenders orchestrating many data vendors |
| Jumio | 2.7 | 11 of 13 | Large firms needing document checks at scale |
| Entrust (formerly Onfido) | 2.1 | 13 of 13 | Firms wanting a no-code onboarding builder with watchlist reports |
Full Identity Verification and Transaction Monitoring Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Sardine is compared with its alternatives in the table above.
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