ROE alternatives
8 products compared · Updated November 10, 2026
The short answer
The strongest ROE alternatives are Sardine, Hawk AI, and Unit21. Sardine suits banks, merchants, and fintechs that want real-time fraud prevention and AML monitoring in one platform. Hawk AI suits banks, payment firms, and fintechs that want one platform for AML, screening, and fraud under a single contract. Unit21 suits fintechs and financial institutions that want fraud and AML detection, investigation, and regulatory filing in one environment.
Your shortlist, at a glance
Read the comparisons ↓- UUnit21Not publishedFintechs and financial institutions that want fraud and AML detection, investigation, and filing in one platform
- HHawk AINot publishedBanks, payment firms and fintechs that want one platform covering AML, screening and fraud
AlloyFrom $0 / user / monthProduct teams that want to prototype changes on their real product and share them with stakeholders- SSardineNot publishedBanks, merchants and fintechs that want real-time fraud prevention and AML monitoring in one platform
- PPlaid's own competitors in fraud/underwritingPer evaluation + $1k/mFintechs and sportsbooks that need fast identity checks during customer onboarding
FeedzaiNot publishedBanks and payment processors that need real-time fraud scoring across channels with AML monitoring on the same platform
SiftNot publishedDigital businesses with high transaction volume that need real-time payment fraud and account takeover prevention- HHummingbirdNot publishedAML and BSA teams at banks and fintechs that want one workspace for screening, monitoring and regulatory filings
About ROE and its alternatives
ROE is an agentic investigation platform for fraud and AML. According to its site, AI agents read a customer's data, follow its standard operating procedures, and produce dispositions with every claim cited to its source. The site says it runs inside card networks, buy-now-pay-later providers, marketplaces, and crypto compliance teams, and that it is deployed in single-tenant private VPCs with an immutable audit trail.
When comparing alternatives in this category, weigh how each product is priced, since most do not publish prices and quotes come through sales. Check which regions and regulatory regimes the product is built for, and which systems it integrates with, including whether it can work on legacy consoles that have no API. Look at support and onboarding, and at contract terms such as deployment model, data retention, and audit log export.
Explore the alternatives
- UNot published
1.Unit21
Best for: Fintechs and financial institutions that want fraud and AML detection, investigation, and filing in one platform
- Pricing
- Not published
- Category
- Other
Unit21 is a fraud and AML platform that uses configurable AI agents to cover the whole financial crime lifecycle, from real-time detection through investigation to regulatory filing. Teams choose it when they want one environment that unifies fraud, AML, EDD, and sanctions on a connected data model with entity networks. It suits programs that want end-to-end case handling and a traceable audit trail with analysts kept in the loop.
Where it is strong
- Covers detection, investigation, and regulatory filing in one environment
- Unifies fraud, AML, EDD, and sanctions data in a single connected model
- Every AI decision is traceable to documented policies and evidence
Where it falls short
- Its site emphasizes detection and lifecycle coverage, so it is less clearly positioned as a pure investigation layer on top of existing tool
- The site does not list customer counts, deployment options, or data-residency details to compare against ROE's single-tenant VPC model
- Pricing:
- Pricing is not published on the site.
- HNot published
2.Hawk AI
Best for: Banks, payment firms and fintechs that want one platform covering AML, screening and fraud
- Pricing
- Not published
- Category
- Other
Hawk AI is an AML, screening and fraud platform built for banks, payment firms and fintechs. It covers transaction monitoring, customer and payment screening, and transaction and check fraud, with explainable AI and self-serve rule setup. Someone would pick Hawk over ROE if they want a unified financial crime platform that replaces or overlays existing transaction monitoring and screening systems, rather than an agent that investigates individual cases.
Where it is strong
- Covers AML, screening, fraud and a combined FRAML view in one platform under one contract
- Self-serve rule setup lets teams adjust rules without IT support or coding
- Offers SaaS or private cloud deployment and an incremental path to AI adoption
Where it falls short
- The site does not describe investigation of fraud and AML cases end-to-end with cited evidence the way ROE does
- Site content centers on bank and payment firm customers, so fit for marketplaces or BNPL is not stated
- Pricing:
- Pricing is not published on the site.
- From $0 / user / month
3.Alloy
Best for: Product teams that want to prototype changes on their real product and share them with stakeholders
- Pricing
- From $0 / user / month
- Category
- Design & Creative
Alloy is an AI prototyping tool for product managers and designers. It clones your existing product or codebase so you can make changes and share high-fidelity prototypes with stakeholders, then push production-ready code through a pull request. ROE is an investigation platform for fraud and AML teams, so Alloy only fits a team that wants to test product ideas on its real app rather than run financial crime cases.
Where it is strong
- Starts from your real codebase or a browser capture, so prototypes match your product
- Shares sessions by link with teammates or customers, with no local setup needed
- Pushes changes to a pull request so prototypes can move into production code
Where it falls short
- Built for product and design work, so it does not cover fraud or AML investigation
- Free plan has a monthly credit cap, and higher credits require Pro or workspace top-ups
- Pricing:
- Alloy has a free plan at $0 with $5 of credits per user per month, a Pro plan at $20 per user per month with $20 of credits, and custom Enterprise pricing.
- SNot published
4.Sardine
Best for: Banks, merchants and fintechs that want real-time fraud prevention and AML monitoring in one platform
- Pricing
- Not published
- Category
- Other
Sardine is an agentic risk platform covering fraud prevention, AML compliance and real-time transaction monitoring in one product. It combines device and behavioral signals, rules, ML models and AI agents that investigate alerts. Teams pick it over ROE when they want fraud detection and AML operations tied to a single platform that acts in real time, rather than a tool focused mainly on investigating cases after they are flagged.
Where it is strong
- Covers fraud prevention, AML and real-time transaction monitoring together
- Uses proprietary device and behavioral signals to catch fraud early
- Agents can be run against alert queues, on a schedule, or through your own systems
Where it falls short
- Its focus is on acting in real time, so it is less built around deep, cited case investigation than ROE
- The site does not mention single-tenant deployment or customer-managed keys in the way ROE does
- Pricing:
- Pricing is not published on the site.
- PPer evaluation + $1k/m
5.Plaid's own competitors in fraud/underwriting
Best for: Fintechs and sportsbooks that need fast identity checks during customer onboarding
- Pricing
- Per evaluation + $1k/m
- Category
- Other
Socure is an identity verification and fraud decisioning platform. It covers document checks, KYC, sanctions and watchlist screening, and AI fraud models for onboarding, login, and workforce checks. Someone would pick it over ROE when the main problem is verifying who a user is at signup or login, rather than investigating completed fraud and AML cases end to end.
Where it is strong
- Self-serve Launch tier can go live in about an hour, per the site.
- Covers document verification, KYC, sanctions screening, and fraud checks in one API.
- Lists SOC 2 Type II certification.
Where it falls short
- Focused on identity and onboarding checks, not on investigating fraud or AML cases in depth.
- Full customization and case management sit in the Enterprise tier, which needs a sales conversation.
- Pricing:
- Socure Launch has per-evaluation pricing with $1,000 in monthly credits, and Socure Enterprise pricing is usage-based with volume discounts and custom quotes.
- Not published
6.Feedzai
Best for: Banks and payment processors that need real-time fraud scoring across channels with AML monitoring on the same platform
- Pricing
- Not published
- Category
- AI & Machine Learning
Feedzai is an AI fraud and financial crime platform that scores transactions and events in real time, with AML transaction monitoring and an AI agent that helps analysts work alerts and SARs. Choose it over ROE when you need real-time payment and channel fraud decisioning at bank scale, rather than end-to-end agentic investigation of individual cases.
Where it is strong
- Real-time fraud decisioning across transactions and channels
- Covers fraud, scams, identity protection and AML in one platform
- Strong third-party recognition, including the Chartis 2026 RiskTech Quadrant for fraud platforms
Where it falls short
- Focused on scoring and alert handling, not per-case cited investigation dispositions like ROE
- Site emphasises large banks, so fit for smaller teams is unclear
- Pricing:
- Pricing is not published on the site.
- Not published
7.Sift
Best for: Digital businesses with high transaction volume that need real-time payment fraud and account takeover prevention
- Pricing
- Not published
- Category
- Security & Privacy
Sift is a digital trust and safety platform that stops payment fraud, account takeover, and fake accounts in real time. Its AI agents review cases and investigate users, and it draws on a global data network. A team would pick Sift over ROE when the core problem is real-time fraud blocking at checkout or signup, not deep multi-source investigation of AML and fraud cases.
Where it is strong
- Stops payment fraud, account takeover and fake accounts in real time
- AI agents automatically review cases and investigate users
- Backed by a global data network and customer case studies from brands such as Patreon and ChowNow
Where it falls short
- Built around digital fraud prevention rather than AML and compliance investigation
- Public materials do not describe a browser agent or support for legacy consoles without APIs
- Pricing:
- Pricing is not published on the site.
- HNot published
8.Hummingbird
Best for: AML and BSA teams at banks and fintechs that want one workspace for screening, monitoring and regulatory filings
- Pricing
- Not published
- Category
- Other
Hummingbird is a compliance orchestration platform where analysts and AI agents work cases together in one shared workspace. It covers screening, monitoring, investigations and regulatory reporting, including automated SAR, STR and CTR filing. A team would pick it over ROE when the main need is a unified case workspace with no-code workflow automation across AML and onboarding, rather than an agent that runs end-to-end fraud investigations.
Where it is strong
- Covers screening, monitoring, investigations and regulatory reporting in one platform
- No-code automation lets teams set triggers and actions without engineering work
- Automated SAR, STR and CTR filing, with customer examples cited on the site
Where it falls short
- The site describes AML, CDD and BaaS use cases, with no mention of fraud or dispute investigation
- The site does not describe a single-tenant deployment or customer-managed keys
- Pricing:
- Pricing is not published on the site.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about ROE alternatives
What is ROE best known for?
According to its site, ROE is known as an agentic fraud and AML investigation platform. Its AI agents investigate cases end to end, produce cited dispositions, and post them back to the customer's case manager. It is deployed inside card networks, buy-now-pay-later providers, marketplaces, and crypto compliance teams.
Which alternative is best for real-time fraud prevention and AML in one platform?
Sardine is the closest fit. It covers fraud prevention, AML, and real-time transaction monitoring together, using device and behavioral signals along with AI agents that investigate alerts. Its focus is on acting in real time, so it is less built around deep, cited case investigation than ROE.
Which alternative should a team choose if it wants one contract for AML, screening, and fraud?
Hawk AI is built for banks, payment firms, and fintechs that want AML, screening, fraud, and a combined FRAML view under one contract. It offers self-serve rule setup and SaaS or private cloud deployment. Its site does not describe end-to-end case investigation with cited evidence the way ROE does.
Which alternative covers the full financial crime lifecycle, including regulatory filing?
Unit21 covers detection, investigation, and regulatory filing in one environment, with fraud, AML, EDD, and sanctions data in a connected model. Every AI decision is traceable to documented policies and evidence. Its site does not list customer counts or deployment options to compare directly with ROE's single-tenant VPC model.
Is pricing published for these alternatives?
Mostly no. Sardine, Hawk AI, and Unit21 do not publish pricing on their sites, so quotes must be requested directly. The entries for Sift, Feedzai, Hummingbird, and others likewise state that pricing is not published.
Last updated November 10, 2026.