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Developer Tools · head to head

Refact vs Silent Eight

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Silent Eight logo

Silent Eight

Cybersecurity

AI adjudication of sanctions screening and AML alerts

From
On request
Free plan
No
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Refact requires configuration for optimal performance; Silent Eight automated disposition has to clear model risk governance and a regulator, and the shadow running period before auto-close is permitted can consume most of the first year of the contract.
  • They diverge on capability: Refact covers Autonomous agent workflows, Silent Eight covers Alert adjudication.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Silent Eight actually diverge.

Attributes where Refact and Silent Eight differ
AttributeRefactSilent Eight
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb, Linux
CategoryDeveloper ToolsCybersecurity
Founded2023Unknown

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 Refact

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

Only in Silent Eight

  • Alert adjudication
  • Narrative generation
  • Name screening automation
  • Quality assurance
  • Shadow mode
  • Model transparency reporting

What people use each for

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

Refact

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

Silent Eight

  • A bank whose level one screening team spends most of its time closing obvious false name matchesnot Refact
  • A payments institution with alert volumes growing faster than it can recruit and train analystsnot Refact
  • A compliance function asked by a regulator to demonstrate consistency of alert decisions across offshore teamsnot Refact
  • An institution that has just tightened screening thresholds after an enforcement action and cannot staff the resulting alert increasenot Refact

Where each one falls short

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

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

Silent Eight

  • Automated disposition has to clear model risk governance and a regulator, and the shadow running period before auto-close is permitted can consume most of the first year of the contract.
  • It does not improve detection, so an institution with a poorly tuned monitoring system automates the handling of bad alerts rather than fixing why they exist.
  • Pricing is tied to alert volume, which means efficiency gains elsewhere that reduce alerts also reduce the vendor bill in a way sales teams structure minimums against.
  • The headcount saving is only realised if the institution actually reduces the analyst pool, and many banks redeploy rather than cut, leaving the business case unrealised on paper.
  • As a mid-sized private vendor serving tier one banks, concentration risk cuts both ways; the loss of one large client materially affects the company, and buyers should ask about financial stability during diligence.

Pricing, plan by plan

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

Silent Eight

On request
  • Iris$undefined/year
    • Priced by alert volume adjudicated
    • Deploys against existing screening and monitoring systems
    • Shadow mode evaluation period

Which should you pick?

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

Choose Silent Eight if

  • You need alert adjudication.
  • You work on Web, Linux.
  • You also want narrative generation.
Silent Eight review

Questions people ask

Is Refact or Silent Eight better?
Neither clearly leads. Refact starts at Free and Silent Eight at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Silent Eight?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Silent Eight.
Does Refact or Silent Eight run on more platforms?
Refact runs on VS Code, Web. Silent Eight runs on Web, Linux.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Silent Eight starts at On request.
What is Refact best used for?
Refact is most often used for autonomous code generation for development tasks, end-to-end bug fixes and refactoring, multi-language software development acceleration, enterprise development with data privacy requirements. Of those, autonomous code generation for development tasks and end-to-end bug fixes and refactoring are not what Silent Eight is typically brought in for.
What can Refact do that Silent Eight cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Silent Eight covers Alert adjudication, Narrative generation, Name screening automation, Quality assurance.

Answered from the vendors’ own pages

Refact: How many programming languages does Refact support?

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

Source
Silent Eight: Does Silent Eight replace our screening system?

No. It consumes alerts from your existing screening and monitoring systems and decides them. The detection layer stays where it is.

Refact: Can I deploy Refact on-premises?

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

Source
Silent Eight: Will a regulator accept AI closing alerts?

It depends on your jurisdiction and your model governance evidence. Banks typically run extended shadow mode first and phase auto-closure by alert type.

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
Silent Eight: Where is the company based?

Singapore, with offices in New York, London and Warsaw.

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