--- title: Know Your Human (KYH) for Banks | Sardine source_page: https://www.sardine.ai/know-your-human-banking canonical: https://www.sardine.ai/know-your-human-banking format: text/markdown description: 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. --- **Quick links:** [Human page](https://www.sardine.ai/know-your-human-banking) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Know Your Human (KYH) for Banks | Sardine 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. ## 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. ## Recognize your customer, even through an agent ## 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. ## 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. ## 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 and bot directory ## 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

curl -X POST https://api.sandbox.sardine.ai/v1/identity/kyh/widget \
  -u "$SARDINE_CLIENT_ID:$SARDINE_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "sessionKey": "898cfa13-7ec6-48e2-85da-dd5882dc4ac4",
    "code": "482913"
  }'

{
  "widgetUrl": "https://identity.sandbox.sardine.ai/kyh?token=...",
  "expiresAt": "2026-11-03T14:05:00Z"
}

curl --request POST \
  --url https://api.sandbox.sardine.ai/v2/devices \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "sessionKey": "apidoc00-0e3a-47b3-9fea-ec72a5example",
  "payload": {
    "userIdHash": "1234abc"
  }
}
'