Guard
Provider 
Founded 2017
Ownership Venture-backed

AI risk-and-fraud product for pay by bank, combining adaptive models, configurable guardrails, and reputation-based routing.
Guard is Aeropay's account-to-account risk layer. Network-wide data feeds adaptive machine-learning models tuned per vertical, approving good transactions while blocking fraud, and user reputation scores route trusted payers through faster, higher-limit paths.
Businesses configure if-then guardrails at account or transaction level with admin audit trails, start from prebuilt protections for high-risk verticals such as peer-to-peer gaming and prediction markets, and monitor outcomes through continuous transaction surveillance and surfaced decline reasons. Real-time account verification from Aerosync cuts invalid-account and insufficient-funds returns.
| Attribute | Guard | Featurespace Platform | Sardine Payment Fraud | |
|---|---|---|---|---|
| Provider | ||||
| Founded | 2017 | 2008 | 2020 | |
| Ownership | Venture-backed | — | Venture-backed |
Provider 
Founded 2017
Ownership Venture-backed
Provider 
Founded 2008
Ownership —
Provider 
Founded 2020
Ownership Venture-backed


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Sardine Bank Payment Fraud scores bank-payment transactions for fraud and return risk before funds move.

TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.

Beta financial infrastructure enabling authorized AI agents to pay within organizational policy and budget controls.

Riskified service approving ecommerce orders under a chargeback liability guarantee.

Bank-payment service using open-banking account-to-account transfers as a lower-cost alternative to cards with same-day settlement.

Payout API letting platforms send instant payments to users over ACH, RTP, FedNow, and wallet rails.

Check-fraud protection product converting positive pay issue files from accounting systems for bank delivery.

Mass-payout API for businesses sending programmatic payments to vendors, contractors, and partners over ACH, RTP, and FedNow.

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