Sardine has announced a partnership with Modulr, a payments automation platform, to bring AI-enabled fraud detection and anti-money laundering capabilities to automated payment flows.
Under the agreement, Sardine will provide Modulr with a suite of integrated fraud and AML solutions, enabling the payments firm to identify and prevent financial crime across card and real-time payment rails. The technology will also bolster AML compliance and operational controls as Modulr continues to grow.
The integration sits within Modulr’s Risk & Compliance Hub, a connected set of tools and infrastructure spanning the full customer lifecycle, designed to protect customers, reduce friction and prevent financial crime. As businesses face growing pressure to move money instantly, many existing fraud and AML systems remain poorly suited to the pace of modern payments, having been designed around slower settlement cycles and manual processes. Embedding Sardine’s risk platform directly into Modulr’s payment infrastructure is intended to address that gap.
Modulr’s platform supports money movement across a range of use cases including payroll, supplier payments, lending and travel. Sardine, meanwhile, brings a track record of securing more than $1tn in transaction volume across a global base of enterprises and financial institutions. The company also runs what it describes as the fastest-growing fraud data consortium, covering more than 5.5 billion devices, 670 million consumers and 2.8 million businesses. Its exposure to high-risk sectors gives it early sight of emerging fraud patterns, which Modulr’s customers can benefit from.
Sardine CEO and co-founder Soups Ranjan said, “Real-time payments fundamentally change how fraud and AML needs to be managed. When funds move instantly, risk decisions need to happen just as quickly. Modulr’s platform delivers critical capability for automated payments, and we’re excited to help ensure those payment flows remain secure as they scale.”
Modulr chief operating officer Ben Taylor said, “For Modulr to provide our customers with the ability to run mission-critical finance operations accurately and at scale, we need strong compliance that gives peace of mind without adding friction – which is why we are partnering with tools like Sardine, and building a Risk & Compliance Hub that monitors every step of the customer journey to prevent financial crime. For our customers, that translates to streamlined and low-friction onboarding, a better money movement experience, and crime prevention infrastructure that keeps pace as their business grows.”
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