01Built for merchant risk first, not retrofitted for it
Sardine's roots are in consumer-facing fraud and AML: device intelligence and behavioral biometrics originally built to catch fraud in crypto onboarding and payments, later extended into a “Merchant Risk” module for platforms that also need to watch their sub-merchants. Coris starts from the other direction. Every product, Merchant Intelligence, Risk Platform, Transaction Monitoring, and AI Agents, is built around the merchant as the unit of risk, not the end consumer.
02A risk platform that doesn't sell payments
Sardine's platform now includes Sardine Payments, its own instant-settlement product for card, ACH, and crypto rails, alongside its risk tooling. Coris stays out of money movement entirely. It's risk infrastructure only, independent of whichever processor, acquirer, or bank you use.
03Purpose-built for payfacs, ISOs, and embedded platforms
Coris's underwriting and monitoring workflows are designed around the specific liability payfacs, ISOs, and embedded payments platforms carry for their sub-merchants, configurable by MCC, portfolio, and risk appetite, with merchant data coverage across 50+ countries. Sardine serves this use case too through its sponsor-bank and merchant-monitoring tools, but it sits inside a much larger platform whose primary design point is a bank or fintech's own KYC/AML and transaction-fraud program.
04Built to do one thing well
Coris's entire roadmap runs through a single problem: merchant and payments risk. Sardine spans a much wider mandate, including consumer credit underwriting, card-issuing fraud, bot detection, and job-applicant fraud that have nothing to do with merchants at all, which means merchant risk is one of many product lines competing for attention rather than the reason the platform exists. For a payments platform whose core need is merchant risk, that focus is the whole point.
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