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Keeping money moving

Clear exceptions before they pile up.

Agents for payment ops, partner-bank requests, disputes, and reconciliation trace every exception to its source, prepare the fix with the evidence attached, and leave every money movement to your team. One harness, running in your cloud.

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Trusted by teams running mission-critical operations.

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Exceptions grow with volume. Headcount shouldn’t.

Payment ops, banking ops, disputes, and reconciliation chase the same payments through different files, portals, and inboxes.

Every morning starts with breaks

Bank files, processor reports, and the ledger never fully agree, and someone traces each difference by hand.

Deadlines don’t wait

Chargebacks and partner-bank requests come with fixed deadlines, and a late response costs money.

Every movement needs proof

Partner banks and auditors expect the evidence behind every adjustment, return, and reply.

Four teams, one harness.

Start where exceptions cost you the most. The same connectors, approvals, and record of work carry to the next team.

Payment operations

Trace settlement differences, returns, and suspense items to their source and draft the fix.

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Partner-bank requests

Parse RFIs and return-of-funds requests, assemble the packet, and draft the reply.

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Disputes and chargebacks

Gather the evidence for each chargeback and draft the response before the deadline.

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Reconciliation

Match processor, bank, and ledger records every day and route each break to its owner.

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Rain

$750k

Vendor and salary spend saved at Rain, a $1.95B stablecoin company

See how Rain uses Runtime

One harness, one trail for every payment.

The same payment can show up as a reconciliation break, a bank RFI, and a chargeback. On Runtime, every team works from the same memory and the same record.

  1. 01

    One memory across teams

    A transfer traced in reconciliation is already in context when the bank asks about it.

  2. 02

    One record of work

    Every file, query, and approval is stored with the run, ready for auditors and partner banks.

  3. 03

    Skills that sharpen with every case

    Agents learn from resolved exceptions and propose updates to their own playbooks.

Autonomy you grant, step by step.

Start read-only. Money movement always stays with your team.

  1. 1

    Investigate

    Agents trace every exception.

    Your team · Decides each fix

  2. 2

    Recommend

    Agents draft each fix.

    Your team · Approves each draft

  3. 3

    Act on reversible steps

    Like tagging or routing.

    Your team · Moves the money

  4. 4

    Verify and report

    Agents check the books.

    Your team · Reviews exceptions

Agents investigate. Your team moves the money.

Read about our security
AuditedSOC 2Compliant

Reads apart from writes

Agents investigate with scoped, read-only access to bank files, processor reports, and ledgers. Postings, payment instructions, and bank replies wait for the approvals you define.

Sensitive data stays private

Account numbers, card numbers, and SSNs are masked before any prompt or log. For the most sensitive work, run open-weight models inside your network.

Your cloud, your models

Run agents in your own AWS, GCP, or Azure account, or self-host the platform. SOC 2 audited, and we never train on your data.

Keeping money moving: common questions

01Do we need to replace our reconciliation or payment ops tools?
No. Your reconciliation engine, processor reports, and bank files feed the investigation. Agents do the research a person would do on each exception, and record how they reached every finding.
02Which team should we start with?
Start where one queue costs the most hours or the tightest deadlines. Replay past exceptions to compare the agent with your team’s resolutions before it touches live items, then carry the same setup to the next team.
03Can agents move money or post entries on their own?
Only actions you explicitly enable. Most teams start read-only, with drafted adjustments and replies. Journal entries, payment instructions, and returns of funds stay behind your approvers.
04How do payment ops, banking ops, and disputes share context?
Runs land in the same governed memory, with role-based access deciding who sees what. When the bank asks about a transfer, the reconciliation findings on it are already there, with the files behind them.
05How do agents handle chargeback and RFI deadlines?
Agents start each request as it arrives and track its deadline, so your reviewers get a complete draft instead of an empty case. Your team still approves everything that gets submitted.
06What should a pilot look like?
One team, one exception type, historical cases first. Measure research time, evidence completeness, and items resolved against your team, then expand access as the results hold up.

Start with your longest queue.

See agents trace a reconciliation break, answer a partner-bank RFI, and draft a chargeback response, each ready for your team’s approval.

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