Cross-domain orchestration — not just fraud decisioning.
Sardine is a single-platform fraud and compliance product with strong real-time risk scoring. FinQub is a fintech orchestration layer that spans KYC, KYB, payments, banking, fraud, sanctions, and communications — through one unified data model with tamper-evident audit evidence built in.
Different categories, partial overlap.
Sardine is a fraud and compliance product. FinQub is the orchestration layer your fraud product runs inside.
Real-time fraud and compliance platform
Device intelligence, behavioral biometrics, transaction monitoring, KYC and KYB, sanctions screening — all powered by Sardine's in-house data and AI risk models. Strong real-time decisioning for consumer fintech, neobanks, and crypto.
Best for: teams whose primary need is unified fraud and compliance decisioning powered by a single vendor's data and models, with deep device and behavioral signals.
Fintech orchestration layer (multi-vendor, multi-domain)
Cross-domain orchestration across KYC, KYB, payments, banking, fraud (including Sardine itself as a vendor node), sanctions, communications, and documents. Bring-your-own-credentials so you keep your vendor contracts. One unified data model and one hash-chained audit trail across every vendor call.
Best for: teams running multi-vendor stacks who want one orchestration layer across categories — and want the freedom to swap fraud vendors (Sardine, Sift, SEON, internal models) without rewriting workflows.
FinQub vs Sardine
Side-by-side across the capabilities that matter for multi-vendor fintech stacks.
| Capability | FinQub | Sardine |
|---|---|---|
| KYC / identity orchestration | Onfido, Jumio, Persona, iDenfy, Sumsub, Veriff, more. Routing, failover, chaining. | Built-in KYC powered by Sardine's identity stack and partner data. |
| KYB / business verification | Middesk, registry data, UBO resolution, document collection, e-sign — orchestrated end-to-end. | Built-in KYB with sanctions and adverse media; less depth on registry / UBO orchestration. |
| Real-time fraud decisioning | Orchestrates Sardine, Sift, SEON, internal models — chained with KYC, banking data, and policy. | Core product. Device intelligence, behavioral biometrics, in-house risk models. |
| Transaction monitoring (AML) | Via vendors orchestrated through FinQub — NICE Actimize, Sardine, Hawk AI, internal. | Core product. Real-time scoring on every transaction with Sardine signals. |
| Payments & payouts orchestration | Stripe, PayPal, Mastercard, multi-rail routing, reconciliation. | Not in scope. |
| Open finance / banking aggregators | Plaid, Finicity, MX — unified transaction model, failover. | Bank account verification supported; not a full banking-data orchestration layer. |
| Communications & documents | Twilio, Microsoft Teams, DocuSign as first-class workflow nodes. | Not in scope. |
| Bring-your-own-credentials (BYOC) | Keep your vendor contracts. Swap Onfido for Jumio, Sardine for Sift, with one config change. | Bundled-data model — value comes from Sardine's in-house signals. |
| Unified cross-domain data model | Universal Pivot Format across every vendor category. | Normalized within Sardine's product surface; cross-domain across third-party vendors not applicable. |
| Hash-chained tamper-evident audit trail | Built-in; exportable by framework, jurisdiction, workflow, time range. | Decisioning history available; tamper-evident hash-chain depends on customer setup. |
| No-code visual workflow builder | Drag-and-drop across every vendor category. | Rules / policy builder for fraud and compliance flows. |
| Market maturity | Pre-revenue, onboarding founding design partners. SOC 2 Type I in progress. | Series B, established customer base across consumer fintech, neobanks, and crypto. |
| Pricing model | Subscription + workflow-run overage. Starter / Pro / Enterprise. | Typically per-event or per-API-call pricing; enterprise contracts. |
Comparison based on publicly documented capabilities of Sardine as of April 2026. We try to keep this accurate — let us know at hello@finqub.io if something is out of date.
When to pick which
Real-time fraud and compliance decisioning is the whole job
- • You're a consumer fintech, neobank, or crypto platform where fraud and transaction monitoring are the dominant use cases.
- • You want a single vendor providing identity, fraud, transaction monitoring, and AML signals — and you're comfortable with their bundled data model.
- • Device intelligence and behavioral biometrics matter to your risk model.
- • You prefer a turn-key product over a multi-vendor stack.
Your stack runs across multiple vendor categories — and fraud is one of several
- • Your fintech stack spans identity + payments + banking data + fraud + comms — and managing N platforms (or being locked into N first-party data sources) is the problem.
- • You want to keep your vendor contracts. Run Sardine for fraud, Onfido for KYC, Plaid for banking — orchestrated together with one workflow engine and one audit trail.
- • Cross-domain workflows matter — KYB decisions feed fraud models, banking data feeds risk scoring, fraud signals trigger SAR filing flows.
- • You need one tamper-evident audit trail across every vendor call, not separate decisioning histories per platform.
Frequently asked questions
Related comparisons
Other vendors we're an alternative to
FinQub orchestrates across fintech's vendor categories. Compare us head-to-head with whichever single-purpose tool you're evaluating.
Stop building your orchestration layer. Start running on it.
Let's talk about what FinQub looks like for your stack — which tools you're running, where the pain is, and how quickly you can eliminate it.
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