Verify bank account ownership and risk levels in real-time
Sardine offers the highest coverage across large banks, regional banks, credit unions, and fintechs.
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Approve more customers with confidence
Reduce the operational overhead of onboarding new customers and managing fraudulent ACH returns.
Highest account coverage
Lower regulatory burden
Prevent fraud losses
Bank account verification and authentication
- Industry's highest account coverage
- Authentication: checks if the user is the real account owner or an authorized user
- Verification: provides instant visibility into account status and risk levels
Real-time counterparty checks cover every step of your customer’s journey
Connect only legitimate accounts at onboarding
- Smart routing across providers reduces false positives
- Open banking transaction data improves accuracy
- Integrated data enrichment reveals user’s true identity
Block transfers & withdrawals to high-risk accounts
- Prevent your customers from losing their money
- Protect the integrity of your brand and reputation
- Block unauthorized withdrawals from compromised accounts
Screen recipients before sending payments
- Protect customers from sending money to scammers
- Safely support authorized push payments like Zelle, FedNow, RTP
- Prevent losses from social scams and account takeovers
Guard against payroll diversion fraud
- Flag direct deposits initiated from suspicious bank accounts
- Block direct deposits to unauthorized bank accounts
- Detect ATO and unauthorized changes to linked accounts
Multiple layers of defense to unmask fraudsters
Sardine combines proprietary customer signals with over 40 data partners to offer the most complete view of risk.
Device & Behavior Biometrics
Detect high-risk users exhibiting suspicious mouse movements, copy and paste of long-term memory fields, or using VPNs, emulators, and remote access tools
True User Identity
Easily check phone, email, address, SSN, IP and geolocation data in one dashboard to triangulate your user’s true identity
Dark Web Monitoring
Monitor dark web markets for the latest data leaks and PII dumps. Sonar’s Red Flag Service tells you which customer accounts have been exposed in a breach
Recognized by Nacha as a Preferred Partner
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