KYC Platform Comparison · 2025

Sardine vs Alloy:
Which KYC platform should you choose?

Both Sardine and Alloy are credible players. This page breaks down the real differences — pricing, accuracy, latency, and compliance coverage — so you can make a decision without sitting through two sales calls.

Sardine
Fraud + KYC platform
  • Strong payment fraud detection ML models
  • Device intelligence + behavioral biometrics
  • Broad fraud signals across the stack
Alloy
Identity decisioning
  • Orchestrates 200+ data sources (credit bureaus, watchlists)
  • Strong bank partnership ecosystem
  • Configurable decision workflows for different risk tiers
Feature comparison

Sardine vs Alloy: the full breakdown.

Dimension Sardine Alloy
Pricing model Annual contract, custom quote Annual SaaS + per-inquiry, custom quote
Pricing note $145K+/yr enterprise baseline $50K–$150K+/yr for banks and fintechs
Accuracy ~89% (fraud signals focus) ~90% (orchestration layer)
Latency 100–500ms (rules + ML) 1–3 seconds (orchestrated data sources)
Geographies US, UK, EU, Canada, select LATAM US primary, limited international
OFAC / Sanctions Yes — OFAC, watchlists Yes — OFAC, watchlist screening
API quality REST API, webhook events REST API, workflow orchestration
Target customer Mid-market to enterprise fintechs, neobanks, crypto Banks, credit unions, lending fintechs, BaaS providers

When to choose Sardine

  • You need payment fraud prevention as the primary use case
  • You have an enterprise budget ($100K+/yr) and procurement process
  • You need deep device fingerprinting and behavioral signals

When to choose Alloy

  • You are a bank, credit union, or BaaS provider in the US
  • You need to orchestrate multiple data sources in one decisioning layer
  • You want deep integration with bank-grade compliance workflows
The third option most teams miss

If you're comparing Sardine and Alloy,
you're probably paying $3–7 per review.

FlowAI is an AI-native KYC/AML triage agent. It extracts document data, runs OFAC/EU/UN sanctions screening, scores risk, and routes to APPROVE / ESCALATE / REJECT — with a full audit trail — in under 300ms. The Growth plan is $1,999/mo for up to 50K reviews.

The math: If you're comparing Sardine and Alloy, your cost-per-review is likely in the $3–7 range once you factor in contract minimums and overages. FlowAI Growth at $1,999/mo for 50K reviews = $0.04/review.

Platform Monthly cost Reviews included Cost per review
Sardine $145K+/yr enterprise baseline Volume-based $3–7+ est.
Alloy $50K–$150K+/yr for banks and fintechs Volume-based $2–8+ est.
FlowAI Growth $1,999/mo 50,000 $0.04
94%
Accuracy (1K case benchmark)
280ms
p50 decision latency
$0.04
Per review on Growth
3
Sanctions lists (OFAC · EU · UN)

FlowAI doesn't try to replace Sardine or Alloy for every use case. But if you're a fintech operator doing KYC/AML triage and paying $3–7 per review, the math is hard to argue with. See the full benchmark methodology →

FAQ

Common questions

How does Sardine pricing compare to Alloy?
Sardine is $145k+/yr enterprise baseline. Alloy is $50k–$150k+/yr for banks and fintechs. Both require custom quotes and typically involve sales conversations. FlowAI publishes pricing openly: Starter at $499/mo, Growth at $1,999/mo for 50K reviews ($0.04/review).
How difficult is it to migrate from Sardine or Alloy?
Migration effort depends on how deeply the vendor is embedded in your workflows. Most teams can run a parallel evaluation in 1–2 weeks using FlowAI's sandbox. The API is a single POST endpoint — no SDK required. Full production migration typically takes 2–4 weeks of engineering time.
Which regions do Sardine and Alloy support?
Sardine covers US, UK, EU, Canada, select LATAM. Alloy covers US primary, limited international. FlowAI runs OFAC (US Treasury), EU consolidated sanctions, and UN sanctions lists on every case — the list-based coverage works globally regardless of where the applicant is based.
Which platform has better accuracy for KYC/AML decisions?
Sardine achieves ~89% (fraud signals focus). Alloy achieves ~90% (orchestration layer). FlowAI's AI-native pipeline achieves 94% accuracy on our 1,000-case synthetic benchmark — see /benchmarks for full methodology, per-category breakdown, and comparison to Sardine, Unit21, and Persona.
What support do Sardine and Alloy offer?
Both offer tiered support gated behind contract level — enterprise tiers typically include a dedicated customer success manager. FlowAI Founding customers (first 10) get a direct Slack channel with the founding team. Growth customers get priority email support. No ticket queues.

Try before you decide.
Sandbox key in 2 minutes.

Run real KYC cases. See the audit trail. No sales call, no annual contract. If the numbers work, Growth is $1,999/mo — no lock-in.

Get a free sandbox key → Calculate your savings Lock in $249/mo as a Founding customer

More comparisons

Sardine vs Unit21 Sardine vs Persona Persona vs Alloy Onfido vs Jumio Alloy vs Unit21 Persona vs Onfido FlowAI vs Sardine FlowAI vs Persona Live accuracy benchmarks