Sardine Fraud Prevention is a platform designed to detect and prevent various types of payment fraud, identity fraud, and transaction-based fraud. The platform addresses multiple fraud scenarios including ACH kiting, money mule activity, stolen card usage, card cloning, card testing, and authorized push payment (APP) scams. The platform provides fraud detection capabilities for ACH bank fraud and card fraud through machine learning models that analyze transaction patterns and device signals. For ACH fraud, it predicts the likelihood of NSF returns (R01) and prevents unauthorized ACH returns (R05, R07, R10, R11, R29) while helping organizations stay within NACHA return thresholds. Sardine incorporates device intelligence and behavior biometrics to identify high-risk users exhibiting suspicious behaviors or using tools such as VPNs, emulators, and remote access tools. The platform detects coordinated criminal rings, bot attacks, mobile device farms, malware, phishing websites, tampered apps, and collusion attempts. It also addresses social engineering scams including investment advisor scams, romance scams, pig butchering, fake tech support, and Remote Access Tools (RATs). The platform includes bank account validation capabilities to verify account ownership and risk levels. It supports progressive KYC onboarding flows that route customers based on their initial risk level. Additional capabilities include KYC/KYB verification, sanctions screening, AML transaction monitoring, case management, and chargeback guarantee services. Sardine offers fraud prevention for card issuing and merchant acquiring operations, along with credit underwriting capabilities for B2C scenarios.