
Know Your Human (KYH) - Banks
Know Your Human (KYH) - Banks
Know the customer behind the agent
Sardine’s Know Your Human connects AI agent sessions to the customer’s device and IP signals, helping banks assess who is behind account access and payment requests.
- Identify agent activity across customer accounts
- Connect agent sessions to the human behind them
- Use customer and session risk signals to inform access and transaction decisions
Learn more about KYH
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Protect accounts when customers use agents
Connect agent sessions to customer device signals to help distinguish legitimate activity from account takeover and fraud.
Support the way customers want to bank
Give your team the identity signals to evaluate agent access and introduce human verification when needed.
Recognize your customer, even through an agent
Agent gets blocked during account login
A customer asks Meta’s Muse agent to check their Ocean Bank account balances and recent transactions. Muse opens the bank’s sign-in page, enters the customer’s phone number, and requests a one-time code. The bank detects an automated session and blocks access before sending the code. Without KYH, the bank can’t connect the agent to the customer behind the request, so a legitimate customer’s agent is stopped at login.
An agent’s login doesn’t tell you who sent it
An AI agent can use valid credentials while leaving the bank without the customer context it needs. KYH helps connect agent activity to the human behind it.
Who is accessing the account?
Cloud agents hide the customer’s device and IP behind their own infrastructure. KYH brings customer device signals into the bank’s risk assessment.
Is it your customer or a fraudster?
A legitimate agent can be used with stolen credentials. Connecting the agent session to customer device signals gives the bank more context to assess account takeover risk.
What happened before the transaction?
Agent activity can be difficult to reconstruct when the customer’s device is missing from the session. KYH adds linked device and session context to support investigations.
Bring the customer into the verification flow
When an agent request needs additional verification, the bank sends the customer a secure link. Opening it on their own device lets Sardine capture device signals and bind them to the agent session.
Create a verification link
To create a verification link, your backend sends Sardine a session key and a one-time code.
- Links can be opened up to 3 times
- Link expires 5 minutes after it’s created
- If link expires, a new link can safely be resent for the same session key
Connect the customer before the agent reaches your bank
Agents that integrate KYH can capture the customer’s device signals when they interact with the agent and pass the session context to the bank with a request.
Agent performs KYH to bind device data to session
The agent embeds Sardine’s SDK to its own app and passes the session key to it.
When the human interacts with the agent, Sardine captures the device fingerprint and binds it to the session key.
Agent and bot directory
- AddThisCrawler
Crawler for the AddThis social sharing tools. Oracle shut down AddThis in May 2023.
- AhrefsBotCrawler
Ahrefs crawler that builds its backlink and SEO index.
- Crawler
AmazonAdBotAmazon Ads crawler that checks pages where Amazon ads appear.
- Crawler
AmazonbotAmazon's crawler that collects web content to improve Alexa and other Amazon services.
- Crawler
ApplebotApple's crawler for search in Spotlight, Siri, and Safari, and for Apple Intelligence.
- Crawler
Audisto CrawlerAudisto crawler that audits sites for technical SEO and structure.
- Crawler
AwarioAwario crawler that tracks brand mentions for social listening.
- Crawler
BaiduspiderBaidu's crawler that indexes pages for Baidu Search.
- BarkrowlerCrawler
Babbar crawler that maps links between sites for SEO analysis.
- Monitor
Better UptimeBetter Stack Uptime checks that monitor site availability.
Showing 10 of 87 bots
Prepare your bank for customers who use agents
See how KYH connects AI agent activity to customer device signals, giving your bank more context to evaluate account access and transactions.
Frequently
asked questions

How does KYH connect an agent session to a customer?
KYH links the agent’s session key to device and IP signals captured on the customer’s own device, either through a verification link the bank sends or through an agent that has integrated KYH. The bank can then evaluate the agent’s request with the customer context it would see if the customer logged in directly.
Can the bank implement KYH without an agent integration?
Yes. With Bank KYH, the bank sends the customer a secure verification link when an agent request needs additional verification. Opening it on their own device lets Sardine capture device signals and connect them to the agent session, with no changes required from the agent.
Which customer signals does KYH provide?
KYH provides the customer’s device fingerprint and IP signals, tied to the agent’s session key. When the agent integrates KYH, its request also carries the KYH provider and session key in its headers, along with a forwarded IP and an agent signature.
Does KYH verify permission for a specific transaction?
KYH connects the agent session to the customer’s device, which helps the bank assess whether the customer is behind the request. It doesn’t replace the bank’s own controls for authorizing a specific payment or transaction.
How does KYH work alongside authentication, KYC, and transaction monitoring?
KYH complements them. It adds customer device and session context to agent activity, which the bank can use in its existing authentication, risk, and transaction monitoring decisions.
What context can KYH provide for an investigation?
KYH links device and session context to agent activity, so investigators can see which customer device was connected to an agent session and what happened before a request.
Featured resources

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