Settlement Become a design partner

In development. Looking for design partners.

Payments-grade reliability for AI agent actions.

For fintechs, neobanks, and teams whose agents move money.

Let your agents handle refunds, payouts, and transfers without duplicate payments, actions beyond their authority, or records that don't match the bank. Settlement sits between your agents and your money systems, so routine money work can run on its own.

Become a design partner
A transfer that timed out, followed through Settlement.

Built for agents that move money

Settlement fits anywhere an agent can change a balance.

  • Refunds and account credits

    Support agents resolve billing issues and fee disputes without a person approving every refund.

  • Bill pay

    Agents pay customers' bills on time, from the right account, exactly once.

  • Transfers between accounts

    Agents move funds between a customer's or company's own accounts within balance and timing rules.

  • Disputes and provisional credits

    Credits issued on time, exactly once, and reversed correctly if a dispute is denied.

  • Charging customers and collecting payments

    Agents retry failed payments and collect balances without charging anyone twice.

  • Account and billing changes

    Payment plans, fee waivers, due dates, and plan changes that affect what a customer pays next.

  • Invoice and supplier payments

    Finance agents pay approved bills once, even when a run is retried or restarted.

  • Payouts

    Batches to sellers, creators, or contractors, tracked recipient by recipient.

  • Purchases within a budget

    Agents buy services or data inside spending limits that are enforced, not just requested.

What changes for your team

  • Automate more of the work

    Agents complete routine money actions end to end. People handle the exceptions that need judgment.

  • Stop losses before they happen

    Duplicate and unauthorized payments are blocked when they're attempted, not found in next month's reconciliation.

  • Give customers accurate answers

    Agents report what actually happened: pending, completed, or returned. That means fewer repeat contacts and complaints.

  • Pass reviews with evidence

    A full record from instruction to money movement, ready for incident reviews, audits, and bank partners.

The decision can be right and the outcome still wrong.

An agent moves $5,000. The request times out. If it retries, it may move another $5,000. If it reports a failure, it may be wrong, because the bank already processed the first one.

  • Duplicate actions

    Retries after a timeout can pay twice.

  • Wrong status

    "Done" gets reported when a payment is still pending, or fails later.

  • Acting beyond authority

    Limits written in a prompt aren't enforced.

How it works

Your agent decides what to do. Settlement handles carrying it out safely.

  1. Record the intent

    Each action is saved with a stable ID before anything runs.

  2. Check the rules

    Limits, running totals, and approvals are enforced in code, outside the model.

  3. Execute once

    Retries reuse the same operation. Unknown outcomes are looked up, never guessed.

  4. Reconcile

    Results are tracked to completion and matched against the provider and your ledger.

Designed to fit your stack

  • Runs in your cloud

    Your credentials and money-moving access stay with you.

  • Start in observe mode

    See what your agents would have duplicated or exceeded, without touching the money path.

  • Works with your agents

    SDKs and an MCP proxy for common agent frameworks.

  • Your ledger and outside providers

    Internal systems, Stripe, and bank APIs.

Building agents that move money? Let's talk.

We're looking for a few teams to work with closely as design partners.