Modern Treasury teams with Sardine on fraud monitoring

Modern Treasury has partnered with Sardine to add fraud monitoring tools to its payments platform, covering payment flows in the US and international markets.

The integration brings Sardine's transaction monitoring and risk systems into Modern Treasury's payments infrastructure, allowing customers to monitor payments in real time and identify suspicious activity earlier. It also adds fraud checks and compliance support across stablecoins, wire transfers, ACH, RTP, FedNow, and push-to-card payments through a single application programming interface.

The partnership reflects rising concern across the payments sector as faster settlement and more software-driven transactions leave less time to detect fraud before funds move. Financial technology groups have been expanding monitoring tools as businesses look to reduce manual checks while maintaining audit trails and compliance controls.

Modern Treasury's platform already includes payment rail connections, US account infrastructure, compliance controls, and ledgering for the movement of money. Adding Sardine's systems is intended to give customers another layer of transaction review within the same workflow, rather than requiring a separate connection to a third-party fraud product.

Developer focus

The combined setup is designed for developers and operations teams who need a single system to manage the payment lifecycle across traditional and newer payment methods. In practice, that includes real-time monitoring across payment rails, wallet screening for stablecoin transactions, automated risk checks, and a consistent ledger to record activity.

The emphasis on stablecoins alongside bank-based payment rails signals a broader shift in treasury and payments software, as providers seek to serve businesses moving money across multiple networks. Bringing fraud checks and ledger records into a single environment may help companies avoid stitching together multiple providers as transaction complexity increases.

Customers will be able to use real-time fraud monitoring built into the platform without adding further integrations. That should reduce operational overhead for businesses that want closer oversight of transactions without having to manage additional technical implementations.

Sardine has built its business around fraud prevention, anti-money laundering operations, and risk data. The company says its network spans more than 6 billion profiled devices, 800 million consumers, and 3 million businesses, giving it a large dataset to assess suspicious behaviour and emerging attack patterns.

Modern Treasury says it has processed more than USD $400 billion in payments for hundreds of organisations. Its software is used by businesses and financial institutions to manage money movement, compliance, reporting, and ledgering through a single interface.

Executive comments

The two companies framed the deal as a response to a payments market where speed and risk are increasing together.

"Payments are evolving quickly, and fraud is evolving even faster," said Soups Ranjan, Co-Founder and Chief Executive Officer of Sardine. "By bringing real-time transaction monitoring into Modern Treasury's robust payments platform, we're able to help customers stay ahead of threats while delivering seamless payment experiences."

Modern Treasury's leadership said the partnership is intended to extend the company's controls around instant and near-instant payments.

"Moving money in real time requires real-time risk infrastructure," said Matt Marcus, Co-Founder and Chief Executive Officer of Modern Treasury. "Sardine's transaction monitoring capabilities allow us to extend our platform with more advanced fraud detection and compliance tooling, so our customers can move quickly without compromising on security."