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Cybersecurity · head to head

Fenergo vs Refact

Fenergo logo

Fenergo

Cybersecurity

Client lifecycle management and KYC onboarding for regulated financial institutions

From
On request
Free plan
No
Full reviewWebsite
Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fenergo implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.; Refact requires configuration for optimal performance
  • They diverge on capability: Fenergo covers Regulatory rules library, Refact covers Autonomous agent workflows.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fenergo and Refact actually diverge.

Attributes where Fenergo and Refact differ
AttributeFenergoRefact
Starting priceOn requestFree
Pricing modelquoteFreemium with paid tiers
Free tierNoYes
PlatformsWebVS Code, Web
CategoryCybersecurityDeveloper Tools
FoundedUnknown2023

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fenergo

  • Regulatory rules library
  • Digital onboarding
  • Perpetual KYC
  • Entity data model
  • Screening orchestration
  • Case management

Only in Refact

  • Autonomous agent workflows
  • IDE chat
  • Real-time code completions
  • GitHub integration
  • Database integration
  • On-premise deployment
  • Multi-LLM support
  • 25+ language support

What people use each for

The jobs each tool is most often brought in to do.

Fenergo

  • A bank operating in twenty jurisdictions that cannot keep local KYC requirements current across separate regional teamsnot Refact
  • A custodian moving from calendar-based periodic review to event-driven perpetual KYC to cut analyst headcountnot Refact
  • An asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification toolsnot Refact
  • A payments institution facing a regulatory remediation order and needing a defensible audit trail of every client reviewnot Refact

Refact

  • Autonomous code generation for development tasksnot Fenergo
  • End-to-end bug fixes and refactoringnot Fenergo
  • Multi-language software development accelerationnot Fenergo
  • Enterprise development with data privacy requirementsnot Fenergo

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fenergo

  • Implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.
  • It orchestrates screening but does not supply the sanctions, PEP or adverse media data, so you still buy Dow Jones, LexisNexis or World-Check separately and those fees are per screened entity.
  • The entry price is set for institutions with large onboarding volumes, which puts it out of reach of smaller banks and fintechs that would otherwise benefit from the rules library.
  • Configuration is deep and specific, which makes upgrades between major versions a project rather than a patch, and some customers stay on old releases for years.
  • The rules library covers regulatory requirements, not your internal risk appetite, so the policy tuning that determines whether onboarding actually gets faster remains your work.

Refact

  • Requires configuration for optimal performance
  • On-premise deployment adds operational complexity
  • Free tier limited by daily agent request quota
  • Coin system adds complexity to cost calculation

Pricing, plan by plan

Fenergo

On request
  • Fenergo Client Lifecycle Management$undefined/year
    • Priced by institution size, jurisdictions in scope and modules licensed
    • Regulatory rules content subscription bundled into the annual fee
    • Implementation delivered by Fenergo or a systems integrator and quoted separately

Refact

Free
  • FreeFree
    • Limited daily agent usage
    • Unlimited completions
    • 2,000 coins for agent and chat
  • Pro$10/month
    • 40 daily agent requests
    • 64k context window
    • 10,000 coins monthly
  • Enterprise$undefined/custom
    • On-premise deployment
    • Custom coin allocation
    • Fine-tuning support

Which should you pick?

Choose Fenergo if

  • You need regulatory rules library.
  • You also want digital onboarding.
Fenergo review

Choose Refact if

  • You need autonomous agent workflows.
  • You want to start without paying.
  • You work on VS Code, Web.
  • You also want ide chat.
Refact review

Questions people ask

Is Fenergo or Refact better?
Neither clearly leads. Fenergo starts at On request and Refact at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fenergo or Refact?
Refact has a free tier; the other does not. Paid plans start at On request for Fenergo and Free for Refact.
Does Fenergo or Refact run on more platforms?
Fenergo runs on Web. Refact runs on VS Code, Web.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Fenergo starts at On request.
What is Fenergo best used for?
Fenergo is most often used for a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams, a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount, an asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification tools, a payments institution facing a regulatory remediation order and needing a defensible audit trail of every client review. Of those, a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams and a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount are not what Refact is typically brought in for.
What can Fenergo do that Refact cannot?
Fenergo covers Regulatory rules library, Digital onboarding, Perpetual KYC, Entity data model. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

Fenergo: Does Fenergo do the sanctions screening itself?

No. It orchestrates calls to third-party data providers such as Dow Jones and World-Check, and those subscriptions are additional and usually charged per screened entity.

Refact: How many programming languages does Refact support?

Refact supports 25+ programming languages including Python, JavaScript, Go, Rust, Java, C++, and many others.

Source
Fenergo: Is it SaaS or on-premises?

Both. The SaaS offering runs on Microsoft Azure with regional deployment options, which matters where data residency rules prohibit client data leaving the jurisdiction.

Refact: Can I deploy Refact on-premises?

Yes. Refact offers on-premise deployment options for organizations requiring complete data control and privacy.

Source
Fenergo: How long does a deployment take?

Plan for a year at minimum for a multi-jurisdiction rollout. Single-jurisdiction deployments with a narrow product set can be shorter but rarely under six months.

Refact: What LLMs does Refact support?

Refact works with multiple LLMs including Claude, GPT-4, and open-source models, giving you flexibility in model selection.

Source
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