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Developer Tools · head to head

Refact vs Sardine

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Sardine logo

Sardine

Cybersecurity

Device intelligence and behaviour biometrics for fraud and compliance

From
On request
Free plan
No
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Refact requires configuration for optimal performance; Sardine signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • They diverge on capability: Refact covers Autonomous agent workflows, Sardine covers Device intelligence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Sardine actually diverge.

Attributes where Refact and Sardine differ
AttributeRefactSardine
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb, iOS, Android
CategoryDeveloper ToolsCybersecurity
Founded2023Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Refact

  • Autonomous agent workflows
  • IDE chat
  • Real-time code completions
  • GitHub integration
  • Database integration
  • On-premise deployment
  • Multi-LLM support
  • 25+ language support

Only in Sardine

  • Device intelligence
  • Behaviour biometrics
  • Scam detection
  • Onboarding risk scoring
  • AML transaction monitoring
  • Dispute and chargeback handling
  • Rules editor

What people use each for

The jobs each tool is most often brought in to do.

Refact

  • Autonomous code generation for development tasksnot Sardine
  • End-to-end bug fixes and refactoringnot Sardine
  • Multi-language software development accelerationnot Sardine
  • Enterprise development with data privacy requirementsnot Sardine

Sardine

  • A neobank losing money to authorised push payment scams where the customer genuinely approved the transfernot Refact
  • A crypto exchange trying to detect accounts being operated by remote access rather than by their ownernot Refact
  • A fintech seeing synthetic identity signups that pass document verification but share device characteristicsnot Refact
  • A lender wanting first party fraud signals at application time that a credit bureau file does not containnot Refact

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Refact

  • Requires configuration for optimal performance
  • On-premise deployment adds operational complexity
  • Free tier limited by daily agent request quota
  • Coin system adds complexity to cost calculation

Sardine

  • Signal quality depends on the SDK being embedded in your own web and mobile clients, so fraud improvements become dependent on your app release cycle and any coverage gap is a blind spot.
  • Behavioural and device telemetry collection needs a documented lawful basis under GDPR, and EU privacy reviews frequently delay rollouts that were scoped as engineering work.
  • Pricing is per session or per active user, so a consumer product with many low value sessions pays in proportion to traffic rather than to fraud exposure.
  • As a younger private company it lacks the enforcement-tested audit history that a bank examiner expects, which makes it a harder sell inside a regulated bank than inside a fintech.
  • It is strongest on session-time signals and weaker as a system of record for long horizon AML typologies, so larger institutions end up running it alongside a traditional monitoring platform rather than instead of one.

Pricing, plan by plan

Refact

Free
  • FreeFree
    • Limited daily agent usage
    • Unlimited completions
    • 2,000 coins for agent and chat
  • Pro$10/month
    • 40 daily agent requests
    • 64k context window
    • 10,000 coins monthly
  • Enterprise$undefined/custom
    • On-premise deployment
    • Custom coin allocation
    • Fine-tuning support

Sardine

On request
  • Sardine$undefined/year
    • Priced per user session or per monthly active user
    • Annual contract with volume commitment
    • SDK for web, iOS and Android

Which should you pick?

Choose Refact if

  • You need autonomous agent workflows.
  • You want to start without paying.
  • You work on VS Code, Web.
  • You also want ide chat.
Refact review

Choose Sardine if

  • You need device intelligence.
  • You work on Web, iOS, Android.
  • You also want behaviour biometrics.
Sardine review

Questions people ask

Is Refact or Sardine better?
Neither clearly leads. Refact starts at Free and Sardine at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Sardine?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Sardine.
Does Refact or Sardine run on more platforms?
Refact runs on VS Code, Web. Sardine runs on Web, iOS, Android.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Sardine starts at On request.
What is Refact best used for?
Refact is most often used for autonomous code generation for development tasks, end-to-end bug fixes and refactoring, multi-language software development acceleration, enterprise development with data privacy requirements. Of those, autonomous code generation for development tasks and end-to-end bug fixes and refactoring are not what Sardine is typically brought in for.
What can Refact do that Sardine cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Sardine covers Device intelligence, Behaviour biometrics, Scam detection, Onboarding risk scoring.

Answered from the vendors’ own pages

Refact: How many programming languages does Refact support?

Refact supports 25+ programming languages including Python, JavaScript, Go, Rust, Java, C++, and many others.

Source
Sardine: Does Sardine do document verification?

It focuses on device, behavioural and transaction signals, and integrates identity verification providers rather than being one. Treat it as complementary to a KYC vendor.

Refact: Can I deploy Refact on-premises?

Yes. Refact offers on-premise deployment options for organizations requiring complete data control and privacy.

Source
Sardine: What does it need from us to work?

An SDK in your web and mobile applications plus transaction feeds. Without the client side collector you lose the signals that differentiate it.

Refact: What LLMs does Refact support?

Refact works with multiple LLMs including Claude, GPT-4, and open-source models, giving you flexibility in model selection.

Source
Sardine: Is pricing published?

No. It is quoted, typically per session or per monthly active user with an annual volume commitment.

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