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92
San Francisco, USA Series C

Behavioral AI for Real-Time Payment Fraud

Sardine • Led by Soups Ranjan

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Real-time payment rails (FedNow, RTP) lack built-in fraud protections, making them highly susceptible to social engineering and account takeovers.

The Solution

A fraud prevention platform that uses behavioral biometrics and device intelligence to detect fraud at the point of payment initiation.

⚡ Verified Impact

● Validated
40% reduction in wire fraud lossesFraud Capture
30% reduction compared to rule-based systemsFalse Positives
Sub-200ms decisioning for real-time railsLatency
CERTIFICATION

Silver Tier

TRL 7/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Promising

"Sardine is uniquely positioned to secure the growing real-time payments landscape by focusing on behavioral signals that precede transactions. Their 'AI Tells' technology shows significant promise in distinguishing bots from humans. However, as an earlier-stage player, they face intense competition from established giants in the transaction monitoring space."

✅ Pros

  • Unique focus on behavioral biometrics (typing, mouse movement).
  • High precision in detecting social engineering and authorized push payment fraud.
  • Strong team with prior experience at Coinbase, Revolut, and PayPal.

⚠️ Risks

  • Market still maturing for specialized real-time payment security.
  • Higher technical lift required for real-time legacy system integration.
  • Resource constraints compared to multi-billion dollar incumbents.

🛠️ Use Cases

💡
Crypto On-ramps

Preventing account takeover and ACH fraud.

💡
Real-time Wire Security

Securing high-value business wires on RTP rails.

💡
Marketplace Safety

Reducing chargebacks in high-velocity digital commerce.

Market Maturity

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9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 7.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • pending Operational Verification (In Progress)
Transparency

Forensic Evidence Chain

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Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

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🚀
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🛡️
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