Unit21 Centralizes Fraud Decisioning

This shows Unit21 sits in the middle of the fraud stack, where separate point tools feed signals into one place and the final risk decision gets made. Alloy is strongest at identity and onboarding checks, Sardine adds device and behavioral signals, and Unit21 is the system where teams combine those inputs with transaction data, score the user, fire rules, open cases, and decide whether money should move.

• Alloy is built around identity decisioning. It connects to a large set of KYC, KYB, AML, credit, and fraud data sources so banks and fintechs can approve or reject users during onboarding and account opening. That makes it a natural upstream input into a broader operating system for ongoing risk.
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• Sardine is used for device intelligence, which means signals about the phone, browser, session, and behavior around an application or payment attempt. Unit21’s role is to ingest those signals alongside onboarding actions and transaction history, then turn them into alerts, cases, and real time decisions.
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• The product boundary matters. Unit21 is built around transaction monitoring, case management, graph analysis, and investigation workflows. In practice, that is the analyst console where a risk team sees suspicious activity, links related entities, documents the review, and files the next action.
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The market is moving toward modular risk stacks with a shared decisioning layer at the center. As onboarding vendors and signal providers add more features, the durable control point will be the system that holds the full user profile, runs the workflow after signup, and becomes the place operations teams live every day.