Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 19 companies across 2 categories.
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Founded in 2020 by former Coinbase, Revolut, Uber and PayPal risk leaders to consolidate fragmented fraud/KYC/AML tooling into one platform. Initially focused on crypto on-ramp fraud, Sardine expanded into a full agentic risk platform spanning fraud prevention, AML compliance and card issuing risk. In 2023 it launched Sponsor Banking to serve BaaS sponsor banks — a direct response to the OCC/FDIC enforcement wave. By 2026 it has added an Agentic Fraud/AML Ops layer and a Merchant of Record payments product (Sardine Payments) via subsidiary SardineAI Payments, Inc., positioning as risk-native embedded payments infrastructure.
Other Fraud providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/sardine/install" width="1" height="1" alt="" style="display:none">19 companies disclose Sardine in their stack in the Embedded Finance Index 2026, including Modulr, Prezzee, First Federal Bank of Kansas City, Deel, Kalshi, Godaddy, Whop, Ascensus, Bank of Kansas City, LHV and 2 others.
Sardine is an embedded-finance provider in Fraud and KYC. It ranks #2 of 9 Fraud providers by disclosed buyers.
The most-disclosed Fraud alternatives to Sardine are ComplyAdvantage (29 buyers), Taktile (13 buyers), Signifyd (10 buyers), Forter (7 buyers), Kount (6 buyers) and Sift (2 buyers).
Sardine was founded by Soups Ranjan and is founded in 2020, headquartered in San Francisco, California.
Sardine has raised $170M in total.
Get a read on where your own stack stands against Sardine and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.