Sardine and Modulr have collaborated to incorporate AI-driven fraud detection and AML compliance tools into automated payment flows.
This partnership will see Sardine’s platform integrated across card and real-time payment networks, supporting Modulr’s anti-fraud measures as the company expands its operations.
Closing the compliance gap in instant payments
The integration is part of Modulr’s Risk & Compliance Hub, a suite of interconnected tools and infrastructure designed to cover the entire customer journey. This hub aims to safeguard customers, minimize friction, and prevent financial crime during onboarding and payment processes.
Moreover, this partnership addresses an industry-wide issue where traditional fraud and AML systems were built for slower transaction cycles and manual investigation workflows. Businesses now expect faster fund transfers, leaving little time for lagging risk controls. As a result, real-time payment channels necessitate more immediate and data-driven detection tools.
Sardine’s platform will assist Modulr in monitoring transactions across various payment routes, ensuring adherence to AML compliance standards, and managing operational risks. The company reports that its platform has facilitated over USD 1 trillion in transaction volume globally, serving both enterprises and financial institutions. Additionally, Sardine operates a fraud data consortium involving over 5.5 billion devices, 670 million users, and 2.8 million businesses, providing insights into emerging fraud trends.
Operational context
Modulr’s platform automates fund transfers for a variety of use cases such as payroll processing, vendor payments, lending services, and travel. By embedding risk controls directly into the infrastructure, Modulr strives to provide customers with smooth onboarding experiences while maintaining stringent compliance standards that can keep pace with growing transaction volumes.
According to Ben Taylor, Chief Operating Officer at Modulr, operating critical financial operations at scale demands a compliance infrastructure that does not impede workflow. The partnership with Sardine and the broader Risk & Compliance Hub are integral to achieving this goal.
This arrangement underscores a growing trend among payment platform providers who aim to integrate financial crime prevention tools directly into their platforms rather than relying on post-settlement reviews. For businesses in high-risk sectors or handling significant volumes of transactions, real-time risk assessments are now essential operational components rather than optional add-ons.
