Settlement

Finance has rules. AI should too.

Settlement lets financial companies hand regulated work to AI agents. Every action gets checked against regulations like Reg E, Reg Z and Reg P plus your own policies before it runs, coordinated across agents and verified against the systems of record afterward. Teams can use Settlement's agents, bring their own or both.

Become a design partner
EXAMPLE AGENT WORKFLOWS

Handle a disputed card charge
A consumer disputes $900 of a $1,200 credit-card balance before issuer autopay.

  1. Servicing agent
    Check whether Regulation Z appliesQualifying notice

    Written dispute received within 60 days of the statement at the designated address; issuer autopay is more than three business days away.

  2. Collections agent
    Evaluate the scheduled collection$1,200 proposed

    “$900 is disputed. Regulation Z protects that amount during investigation. Only the undisputed $300 can proceed.”

  3. Settlement
    Authorize the permitted amount$300 authorized

    Independent checks confirm the active dispute. The $900 stays excluded from collection and adverse reporting tied to its nonpayment.

  4. Agent + observer
    Update and verify autopayDispute stays open

    The agent adjusts autopay to $300. The observer confirms the schedule and keeps the $900 dispute open.

Autopay corrected. The disputed amount stays protected during investigation.
Rule reference: Regulation Z · 12 CFR 1026.13(d)

Regulatory controls you don’t have to build from scratch

For banks, fintechs, brokerages, and credit unions automating disputes, customer remediation, account servicing, collections, and investment requests. Limit exposure with shared controls, so your team can focus on its product and customers.

Rule areas we’re building for

Explore the use cases

Automate more. Keep exposure under control.

  • Apply regulatory and company rules

    Evaluate permissions, data use, and action requirements. Track deadlines and escalate breaches.

  • Limit financial exposure

    Count pending and completed actions across agents so separate decisions stay within shared limits.

  • Keep people in control

    Require human approval when an action exceeds an agent’s authority or needs additional review.

  • Verify the work is complete

    Reconcile account changes and unresolved outcomes. Keep evidence of what happened, including conflicting or late results.

Start with prebuilt agents and controls

  1. Choose your workflow

    Start with Settlement’s agents or connect agents you already use.

  2. Connect your systems

    Configure integrations, regulatory checks, limits, and approvals for your workflow.

  3. Run in your own cloud

    Deploy agents and controls using your own model access.

  4. Control and verify actions

    Check actions before execution and reconcile results before work is marked complete.

In development. Looking for design partners.

What financial work would you automate?

Tell us about your workflow and the controls it needs.