Unit21 vs Sardine: Features, Coverage and Pricing Compared (2026)

Key Features Compared

Unit21 vs Sardine at a Glance, November 2026

Feature	Unit21	Sardine
Ratings
Fintech Index score	76 / 100	77 / 100Higher score
Overview
What it is	San Francisco fraud and AML platform that gives banks and fintechs transaction monitoring, case management, and AI agents for alerts	San Francisco fraud and compliance platform that uses device, behavior, and payment data to stop fraud and money laundering for banks and fintechs
Who uses it	Banks, credit unions, and fintechs; more than 200 customers in 90 countries, including Chime, Green Dot, Intuit, and Sallie Mae	More than 450 enterprises, including FIS, Deel, GoDaddy, and X
Main products	Transaction monitoring, case management, SAR workflows, and AI agents that work alerts	Device and behavior signals, KYC and KYB, payment fraud checks, transaction monitoring, and AI agents for alerts
Where it operates	90 countries	Global
Products and features
Transaction monitoring	Core product	Included
Pricing
How pricing works	Written quote, negotiated by event volume and modules	Quoted by product; fraud and AML modules can be bundled
Published prices	Quote only	Quote only
Technology and compliance
Certifications and compliance	Customers file ~5% of US suspicious activity reports through it	Fraud and AML controls for regulated firms
Developer tools	Rules risk teams write themselves	APIs and SDKs for device and behavior data
Integrations and partners	Transaction and customer data feeds	Payment and account activity data
Onboarding and support	Sales-led rollout with data integration; larger programs take weeks to tune rules	Starts with a demo; setup covers rules and integrations for each product bought
Company
Founded	2018	2020
Headquarters	San Francisco, California	San Francisco, California
Ownership	Private company	Private company
Funding	~$100M total, including a $45M Series C in June 2023 (Business Wire)	~$145M raised, including a $70M Series C in February 2025 led by Activant Capital, with Andreessen Horowitz, Nyca Partners, GV, Experian Ventures, and Moody’s among its investors
Key leader	Tyler Allen	Soups Ranjan
Scale	Close to $100M raised, including a $45M Series C in 2023	$1.8T of payments screened; 6.5 billion devices profiled

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Unit21 scores 76 and Sardine scores 77.

Criterion Scores Out of 100

Key Differences Between Unit21 and Sardine

Data

Sardine has profiled more than 6.5 billion devices and screened $1.8T of payments. Unit21 works on the transaction and customer data a client sends.

Scope

Sardine includes KYC and KYB at signup. Unit21 does not check documents.

Pros and Cons

Who Each Is Best For

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These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as Unit21 and Sardine.

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Frequently Asked Questions