Modern Treasury and Sardine Partner to Combat Real-Time Payment Fraud

Quick Summary

Modern Treasury has partnered with Sardine to integrate real-time transaction monitoring into its payment infrastructure. This collaboration allows businesses to detect fraud earlier and automate compliance across ACH, Wire, RTP, FedNow, and stablecoins, ensuring secure and scalable money movement through a single, unified API integration.

How Does Modern Treasury Solve Real-Time Payment Fraud?

Modern Treasury addresses the growing complexity of real-time transaction monitoring by embedding Sardine’s risk infrastructure directly into its money movement platform. This integration allows developers to monitor payments as they happen, rather than relying on reactive, post-settlement analysis. By front-loading fraud detection, businesses can stop suspicious activity before funds leave the account, which is critical for irreversible rails like FedNow and RTP.

• Instant risk scoring for every transaction across fiat and stablecoin rails.
• Automated compliance workflows that reduce manual intervention by risk teams.
• Unified ledgering systems that maintain an auditable trail of all screened payments.

What Benefits Does Sardine Bring to Payment Orchestration?

Sardine provides a high-fidelity risk consortium that profiles over 6 billion devices and 800 million consumers to identify bad actors instantly. By integrating this data into Modern Treasury, companies can reduce manual reviews while maintaining rigorous AML and KYC standards. This is particularly vital for stablecoin orchestration workflows, where wallet screening and real-time risk checks are mandatory for regulatory compliance.

• 6 billion devices profiled to detect sophisticated AI-driven attacks.
• Multi-rail support covering ACH, Wire, RTP, FedNow, and Push-to-Card.
• Seamless developer experience via a single API for the full payment lifecycle.

How Does This Partnership Impact Global Money Movement?

The collaboration enables enterprises to scale payment volumes without a linear increase in fraud exposure or compliance headcount. By combining Modern Treasury’s account infrastructure with Sardine’s agentic risk platform, businesses can launch new payment products in days. This infrastructure has already supported over $400 billion in payments, proving its reliability for high-growth fintechs and established financial institutions alike.

FF NEWS TAKE:

This partnership definitely moves the needle because it bridges the gap between real-time transaction monitoring and movement. As the industry shifts toward instant settlement via FedNow and RTP, the window to catch fraud has shrunk to milliseconds. Modern Treasury and Sardine are providing the essential security layer that makes instant payments viable for the enterprise, effectively neutralizing the "speed vs. safety" trade-off that has hindered faster payment adoption.