Runtime as featured inForbesRead the article

Runtime vs Bretton AI

Runtime is one agent harness for every payment team, from compliance to payment ops, finance, and support. Bretton AI builds AI agents and managed services for financial crime compliance.

Updated October 4, 20263 min read

TL;DR: Runtime is the stronger choice when you want software your own team runs across every team that touches a transaction, with shared memory and your own cloud and models. Bretton AI is a good fit when financial crime compliance is the only scope, or when you want a vendor to run it for you.

Feature
RuntimeRuntime
Bretton AIBretton AI
What it isAgent harness for every payment teamAI agents for financial crime compliance
Teams coveredCompliance, risk, payment ops, finance, support, onboardingAML, KYC, sanctions, and fraud
Financial crime depthYou build agents from your SOPsPurpose-built agents and regulatory guidance
Model risk managementEvals on your own resolved casesBuilt-in trust infrastructure and evaluation
Managed operations optionSoftware your team runs, with FDE supportManaged services that run compliance ops for you
Shared memory across teamsOne governed memory for every teamWithin financial crime operations
Runs in your cloudYes, or fully self-hostedVendor platform
Bring your own modelsAny model, including local open modelsVendor-managed
Approvals on money movementBuilt in, from Slack, Teams, or the dashboardNot the focus

Two different jobs

Runtime is the AI agent harness for payment teams. From payment ops to risk, compliance, and support, anyone on the team can build agents that work their queues on their own computers inside your cloud, called from Slack, Teams, email, SMS, or voice, with approvals and a full audit trail.

Bretton AI (formerly Greenlite) builds AI agents for financial crime operations. Its agents handle KYC and KYB reviews, AML and sanctions investigations, and ongoing monitoring, built on what it calls Trust Infrastructure: regulatory guidance, model risk management, and continuous evaluation. Banks regulated by the OCC, FDIC, and Federal Reserve use it, along with platforms like Robinhood, Mercury, and Gusto. In 2026 it raised a $75M Series B and launched managed services, where its own team runs compliance operations for customers.

The biggest difference is scope and ownership. Bretton goes deep on financial crime and can run that work for you. Runtime is software your own team uses across every operational team, with a forward-deployed engineer helping you roll it out.

Why payment teams choose Runtime

Built for money movement

Payment work is mostly exceptions: a held payout, an ACH return with an odd code, a dispute where the evidence contradicts the claim. Runtime agents reason through those cases on their own computers, across your ledger, processor, bank files, and tickets, and stop for a person before anything moves money.

Your data stays yours

Agent computers run in your AWS, GCP, or Azure account, or you self-host the whole platform. Card numbers, SSNs, and secrets are masked before any prompt or log, and you can serve open-weight models locally for PCI and PII work.

One harness for every team

Support, payment ops, finance, risk, and compliance all build on the same harness, so one stuck payment is one investigation, not four. Every run is stored with its evidence, approvals, and cost, ready when an auditor or sponsor bank asks.

An engineer, not an account executive

A forward-deployed AI engineer who has built payment infrastructure maps your processes, builds the first agents with your team, and sets up guardrails.

When Bretton AI makes sense

  • Financial crime compliance (AML, KYC, sanctions) is the only scope
  • You want purpose-built compliance agents with model risk management included
  • You'd rather have a vendor run compliance operations for you
  • Your regulator relationship benefits from a specialist compliance vendor

When Runtime makes sense

  • You run payments, banking, or lending operations and the queue keeps growing
  • The work needs judgment on exceptions, not just a fixed sequence of steps
  • Card data or PII has to stay in your environment
  • You need approvals on money movement and an audit trail your sponsor bank will accept
  • You want one platform for every team that touches a transaction

See Runtime on your busiest queue

Bring one SOP. A forward-deployed AI engineer builds the first agent with your team, inside your cloud.