Sardine has announced a partnership with Modulr, a payments automation platform, to bring AI-enabled fraud 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 spanning card and real-time payment rails. The collaboration will also help strengthen AML compliance and operational controls as Modulr’s business scales.
The integration sits within Modulr’s Risk & Compliance Hub, a connected toolset built to cover the entire customer lifecycle, with the aim of protecting customers, reducing friction, and preventing financial crime. As businesses face growing pressure to move money instantly, many existing fraud and AML systems were designed for slower settlement cycles and manual workflows — a gap this partnership seeks to address.
Modulr’s platform supports a range of use cases including payroll, supplier payments, lending, and travel, built to deliver money movement with accuracy and reliability at scale. Sardine, meanwhile, brings a track record of protecting more than $1tn in transaction volume across enterprises and financial institutions worldwide. The company also operates a fraud data consortium covering more than 5.5 billion devices, 670 million consumers, and 2.8 million businesses — giving it early visibility into emerging fraud patterns that can be passed on to Modulr’s customers.
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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