Sardine AI, founded in 2020 and headquartered in Miami, is an AI-powered risk platform that helps financial institutions, fintechs, and merchants prevent fraud and ensure compliance by analyzing user behavior, device intelligence, and transaction data in real time. Using techniques like behavior biometrics, the platform detects sophisticated scams, stops money laundering, and improves customer onboarding by unifying risk data across various sources and providing insights through APIs and machine learning features.

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Credentials

To configure a Sardine connection, you will need to set the following credentials. Client ID and Client Secret can can be found or generated in the Sardine sandbox dashboard by navigating to the Admin & Settings menu > Organizations & Users > API Credentials. To set up a webhook endpoint and generate a Webhook Secret you will need to contact your Sardine Implementations Manager.
CredentialDescription
Client IDYour unique Sardine account ID
Client SecretThe password used to sign API requests
Webhook SecretThe secret used to validate the authenticity, integrity and security of webhook requests originating from Sardine

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Decision mapping

While the default Sardine Decision responses don’t directly return values to be mapped to the Gr4vy accept/reject/review decision values, this result can be achieved by creating a specific workflow in Sardine, which will return a tag matching one of the Gr4vy decision values. You must set up the workflow on Sardine as follows:
1

Create Workflow

  • Access the Sardine dashboard
  • Select Workflows from the menu in the sidebar
  • Click New Workflow
  • Enter get-decision as the name of the workflow
  • Select Customer as the Input Type
  • Click Save block
2

Checkpoint

Add a single Checkpoint block with 2 checkpoints: CUSTOMER and PAYMENT
3

Multipath Splitter

Connected to the above Checkpoint block, you should add a Multipath Splitter block with the name set to decision. This block should have 3 paths. Your non-default paths will each require at least 1 condition (this will likely consist of choosing various risk levels to be associated with the path. To see an example setup, load the example workflow shown below)
4

Paths

Attach a single End block to each of the three paths, each with specific action(s) set. See the tabs below for the action settings for each End block:

Action:
PropertyValue
ActionUpdate Tag
EntitySession
Tagdecision
Valueaccept
Please note that it is essential that the workflow is set up correctly. If the following conditions are not met, all attempted Sardine transaction risk requests will return an error decision:
  • The workflow must be named get-decision
  • There must be 3 End blocks, with the following action Values: accept, review, reject and with the Action Tag set to decision
  • The review path must enqueue an Alert

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Example workflow

To load an example workflow following the structure laid out above, take the following steps:
  1. Access the Sardine dashboard
  2. Select Workflows from the menu in the sidebar
  3. Click New Workflow
  4. Enter get-decision as the name of the workflow
  5. Select Customer as the Input Type
  6. Click Save block
  7. Click the “three-dot” menu button beside your workflow name in the top right and select Import Workflow
  8. Paste in the following JSON code:
Workflow code
{
  "id": "get-decision",
  "name": "get-decision",
  "clientId": "",
  "inputType": "customer",
  "edges": [
    {
      "id": "6b34598c-8425-46da-8549-a5ffc0732225",
      "source": "root",
      "target": "6b34598c-8425-46da-8549-a5ffc0732225",
      "type": "buttonEdge",
      "markerEnd": {
        "type": "arrowclosed"
      },
      "data": {}
    },
    {
      "id": "d20c0028-9b19-4256-b601-3b23039867d9",
      "source": "6b34598c-8425-46da-8549-a5ffc0732225",
      "target": "d20c0028-9b19-4256-b601-3b23039867d9",
      "type": "buttonEdge",
      "markerEnd": {
        "type": "arrowclosed"
      },
      "data": {}
    },
    {
      "id": "ce2b8b65-7dfa-4003-b089-2511f210866f",
      "source": "d20c0028-9b19-4256-b601-3b23039867d9",
      "target": "ce2b8b65-7dfa-4003-b089-2511f210866f",
      "type": "buttonEdge",
      "markerEnd": {
        "type": "arrowclosed"
      },
      "data": {
        "path": "3fa72cb8-a7f4-4764-a41a-cee5425245fd"
      }
    },
    {
      "id": "5d30e5a6-27f9-460b-8c24-5a470060f3b0",
      "source": "d20c0028-9b19-4256-b601-3b23039867d9",
      "target": "5d30e5a6-27f9-460b-8c24-5a470060f3b0",
      "type": "buttonEdge",
      "markerEnd": {
        "type": "arrowclosed"
      },
      "data": {
        "path": "a7f8358a-9d5c-49ca-9258-112d7d8ad770"
      }
    },
    {
      "id": "517d7496-e691-4cb7-beef-67ec447ec2ce",
      "source": "d20c0028-9b19-4256-b601-3b23039867d9",
      "target": "517d7496-e691-4cb7-beef-67ec447ec2ce",
      "type": "buttonEdge",
      "markerEnd": {
        "type": "arrowclosed"
      },
      "data": {
        "path": "d534334c-9869-46be-b012-e99fb4c0a9a0"
      }
    }
  ],
  "nodes": [
    {
      "id": "root",
      "type": "start",
      "data": {
        "parentNodeId": "",
        "inputType": "customer",
        "nodeType": "start",
        "varReferences": null
      },
      "width": 96,
      "height": 52,
      "position": {
        "x": 0,
        "y": 0
      }
    },
    {
      "id": "6b34598c-8425-46da-8549-a5ffc0732225",
      "type": "checkpoint",
      "data": {
        "parentNodeId": "root",
        "nodeName": "Checkpoints",
        "checkpointNames": [],
        "checkpointIds": [5, 8],
        "nodeType": "checkpoint",
        "varReferences": null
      },
      "width": 231,
      "height": 76,
      "position": {
        "x": 0,
        "y": 0
      }
    },
    {
      "id": "d20c0028-9b19-4256-b601-3b23039867d9",
      "type": "switchBlock",
      "data": {
        "parentNodeId": "6b34598c-8425-46da-8549-a5ffc0732225",
        "nodeName": "Decision",
        "conditions": [
          {
            "pathRef": "3fa72cb8-a7f4-4764-a41a-cee5425245fd",
            "pathName": "Reject",
            "condition": "Workflow.PreviousCheckpointRiskLevel in [\"high\",\"very_high\"]",
            "color": "danger"
          },
          {
            "pathRef": "a7f8358a-9d5c-49ca-9258-112d7d8ad770",
            "pathName": "Review",
            "condition": "Workflow.PreviousCheckpointRiskLevel in [\"medium\"]",
            "color": "warning"
          },
          {
            "pathRef": "d534334c-9869-46be-b012-e99fb4c0a9a0",
            "pathName": "Accept",
            "condition": "DEFAULT",
            "color": "success"
          }
        ],
        "nodeType": "switchBlock",
        "varReferences": null
      },
      "width": 228,
      "height": 76,
      "position": {
        "x": 0,
        "y": 0
      }
    },
    {
      "id": "ce2b8b65-7dfa-4003-b089-2511f210866f",
      "type": "end",
      "data": {
        "parentNodeId": "d20c0028-9b19-4256-b601-3b23039867d9",
        "nodeName": "Reject",
        "notes": "",
        "tags": [
          {
            "key": "decision",
            "value": "reject",
            "actionType": "update_tag"
          }
        ],
        "persistentTagActions": [],
        "queueActions": [],
        "listActions": [],
        "nodeType": "end",
        "varReferences": null,
        "color": "danger"
      },
      "width": 105,
      "height": 52,
      "position": {
        "x": 0,
        "y": 0
      }
    },
    {
      "id": "5d30e5a6-27f9-460b-8c24-5a470060f3b0",
      "type": "end",
      "data": {
        "parentNodeId": "d20c0028-9b19-4256-b601-3b23039867d9",
        "nodeName": "Review",
        "notes": "",
        "tags": [
          {
            "key": "decision",
            "value": "review",
            "actionType": "update_tag"
          }
        ],
        "persistentTagActions": [],
        "queueActions": [
          {
            "queueId": 708163,
            "reviewId": 0
          }
        ],
        "listActions": [],
        "nodeType": "end",
        "varReferences": null,
        "color": "warning"
      },
      "width": 111,
      "height": 52,
      "position": {
        "x": 0,
        "y": 0
      }
    },
    {
      "id": "517d7496-e691-4cb7-beef-67ec447ec2ce",
      "type": "end",
      "data": {
        "parentNodeId": "d20c0028-9b19-4256-b601-3b23039867d9",
        "nodeName": "Accept",
        "notes": "",
        "tags": [
          {
            "key": "decision",
            "value": "accept",
            "actionType": "update_tag"
          }
        ],
        "persistentTagActions": [],
        "queueActions": [],
        "listActions": [],
        "nodeType": "end",
        "varReferences": null,
        "color": "success"
      },
      "width": 111,
      "height": 52,
      "position": {
        "x": 0,
        "y": 0
      }
    }
  ]
}
  1. Click Submit
  2. Click Confirm when prompted about overriding the existing workflow
  3. Click Save in the top right
  4. In the pop-up prompt that confirms whether you want to save the workflow, switch on the toggle button labeled Set as Live Version
  5. Click Confirm to save the workflow
  6. You should now see the workflow listed on the workflows page, with the Status label set to Live
Please note, the conditions for each path in this example workflow should be modified to suit your needs. The example workflow has the accept path as the default path, and the Sardine risk levels associated with the review/reject paths are as follows:
Sardine Risk LevelDecision tag/Gr4vy Decision
mediumreview
high, very_highreject

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Webhooks for manual review

To enable manual review you will need to set up webhooks from your anti-fraud service to our system. This webhook is used to notify us when a review is accepted or rejected. To get the webhook URL, head over to your connection by going to Connections -> [Anti-Fraud connection] -> Synchronization and copy the webhook URL. To have webhooks enabled on Sardine, contact your assigned Implementation Manager from Sardine, with your Webhook URL and mention that you want to receive Case type webhooks. Once your webhooks have been enabled, Sardine will send you the Webhook Secret, which is used for webhook validation as mentioned above.
If you do not add the Webhook Secret to your dashboard, the webhook signature validation process will be skipped, which may put your system at risk of attacks from tampered webhook payloads.

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Review queue clearing

If a transaction is marked for review, and subsequently it is voided from the Gr4vy dashboard, then a request will be sent to Sardine to clear any pending Sardine Alerts for that transaction.

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Device fingerprinting

The use of device fingerprinting is highly recommended when using Sardine. Please refer to our device fingerprinting guide for more information on our universal solution. If needed, you could load the fingerprint script for Sardine directly and pass the sessionKey value as the anti_fraud_fingerprint to the new transaction API. Biometrics will be enabled by default, which may result in the following console errors and warnings: