The AI agent harness for payment teams
Trusted by teams running mission-critical operations.
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Maya 9:12 AM
re-review Harbor Vape Supply, dispute ratio spiked overnight
APP 9:13 AM
Dispute ratio is 1.4%, above the 0.9% VAMP threshold. KYB still matches, but the website changed owners on Sep 22 and 61% of disputes are "not received".
Recommend a 25% rolling reserve. 14 queries, 3 sources.
Approval needed
Apply 25% reserve to Harbor Vape Supply
DK2 repliesLast reply today
Dev 9:15 AM
Can you check their two sibling MIDs too?
Message #risk-ops
Expand your ops team with digital teammates
Call an agent from Slack, Teams, email, text, or a phone call. Each one has its own computer, inbox, number, and voice, follows your procedures, and asks before it acts.
@mention an agent in any channel or thread. Click a channel or an agent in the window to explore.
How Runtime works
What is an agent harness?Describe the job
Anyone on the team describes the work in plain English and attaches the SOP. Runtime builds the agent and gives it its own computer.
Create a banking ops agent that handles RFIs, hold-harmless requests, and returns of funds from our partner bank, verifies against our ledger, and drafts replies for my approval.
bank-ops-agent
Tools picked from your prompt
Connect your tools, even legacy ones
APIs, databases, and MCP servers, plus a browser for processor and bank portals with no API. Role-based access sets what each agent can read and do.
Approved systems and permissions for this agent.
Sensitive actions wait for your team’s approval.
Run it
Call it from Slack, Teams, email, or phone, or trigger it from an alert or schedule. It investigates on its own computer, showing every step.
Wherever it’s called, it works on its own computer and shows every step.
Keep a human in the loop
Money movement, reserves, and replies to your bank wait for approval. Every run is stored with its evidence, cost, and outcome.
Return $12,400 to the originating bank for the flagged transfer, with a drafted reply to Column and the evidence file attached.
One harness for every team that touches a transaction
Start with one team and one queue. The same harness, context, and controls carry to the next, so you win more customers and run the operation with a leaner team.
More revenue
Getting customers live
Underwrite, onboard, and launch customers in days, not weeks.
- Underwriting, KYB and KYC
- Sales engineering and RFPs
- Implementation
Lower opex
Keeping money moving
Trace every exception before it turns into a backlog.
- Payment operations
- Partner-bank requests
- Disputes and chargebacks
- Reconciliation
Fewer losses
Protecting the business
Work every alert, with the evidence on record.
- Fraud and transaction monitoring
- Compliance
- Merchant and portfolio risk
More revenue, lower opex
Supporting customers
Answer “where's my money” with real payment data.
- Payments support
- Escalations
- Account management
Built for mission-critical payment operations
When agents work your money movement, they can’t go down and they can’t go rogue. Every agent runs on an isolated computer you control, with a person approving what matters.
How we handle securityYour cloud, your models
Run agent computers in your own AWS, GCP, or Azure account, or self-host the platform. Bring your sandbox and your models. PCI data stays in your environment.
Built to stay up
Agents run with isolated sandboxes, provider-aware routing, and recovery paths, so a transient outage does not have to stop a payout investigation or a bank deadline.
PCI and PII stay private
Card numbers, SSNs, and secrets are masked before any prompt or log. For the most sensitive work, run open-weight models locally inside your network.
Access and approvals
SSO and role-based access for every agent and teammate. Money movement waits for a person. SOC 2 audited, and we never train on your data.
A system of intelligence for payment teams
Agents are the surface. Runtime is the governed infrastructure beneath them that turns every investigation into compounding organizational memory, so the next case is faster for every team.
The request, every query and tool call, the approvals, the cost, and the result. Your agentic system of record, ready when compliance, an auditor, or your partner bank asks.
Re-review Harbor Vape Supply against VAMP thresholds
Tool calls
14
Duration
4m 02s
Cost
$0.31
Stored, searchable, and exportable.
Agents learn from resolved cases and propose updates to their own skills. What support learns about a stuck payout, payment ops already knows.
Learned from the last 40 resolved cases:
Suggested skill update
Add step 4: check sibling MIDs before closing a re-review.
A stuck payment touches support, payment ops, finance, and compliance. Every finding lands in the same governed memory, so no team investigates it twice.
Every run gets faster and cheaper
Agents start on frontier models to get the work right. Then Runtime drives cost per run down, and you see token and compute spend by agent, team, and run.
10×
more runs
−93%
cost per run
−29%
total weekly spend
Route to the smallest model that passes
Evals move routine work off frontier models onto smaller and open-source models, served from your own cloud if you want.
−86% model cost on routine enrichment
Sharper skills, fewer steps
Agents learn from resolved cases, so the same job takes fewer tool calls, fewer tokens, and less time.
−40% steps per case
Proven runs become reviewed scripts
Engineering can promote proven runs into deterministic scripts in your repo. The agent only steps in on the edge cases.
$0 model spend on the routine path
Forward-deployed AI engineers for your AI strategy
No account executives. You get an engineer who has built payment, risk, and reconciliation systems at companies like these. They map your processes, build the first agents with your team, and set up guardrails, then your team keeps building.
Frequently asked questions
Who is Runtime for?
Which workflows do payment teams start with?
Can an agent move money on its own?
What will our sponsor bank or examiner see?
Does card data or PII ever reach the model provider?
Can we run Runtime in our own AWS, GCP, or Azure account?
Will it work with our processor, ledger, and bank portals?
We already built an internal agent. Why not build the rest ourselves?
What does a pilot look like?
Do more with the team you have
See agents work your payment ops, risk, and compliance queues inside your own cloud, with your team approving what matters.