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Developer Tools · head to head

Refact vs Unit21

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Unit21 logo

Unit21

Cybersecurity

No-code fraud and AML risk operations platform for fintechs and neobanks

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; Unit21 it is built for fintech scale rather than card issuer scale, so organisations reaching very high transaction volumes generally re-evaluate against heavier platforms and face a migration.
  • They diverge on capability: Refact covers Autonomous agent workflows, Unit21 covers No-code rule builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Unit21 actually diverge.

Attributes where Refact and Unit21 differ
AttributeRefactUnit21
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb
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 Unit21

  • No-code rule builder
  • Case management
  • SAR filing
  • Backtesting
  • Identity and device signals
  • Data ingestion API

What people use each for

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

Refact

  • Autonomous code generation for development tasksnot Unit21
  • End-to-end bug fixes and refactoringnot Unit21
  • Multi-language software development accelerationnot Unit21
  • Enterprise development with data privacy requirementsnot Unit21

Unit21

  • A neobank whose sponsor bank requires a documented monitoring programme before it will keep the BIN sponsorshipnot Refact
  • A crypto exchange needing SAR filing and case management without building an internal compliance engineering teamnot Refact
  • A payments startup where the fraud lead needs to ship a new rule the same day a new attack pattern appearsnot Refact
  • A lender consolidating fraud alerts from three point tools into one investigator queue with a single audit trailnot 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

Unit21

  • It is built for fintech scale rather than card issuer scale, so organisations reaching very high transaction volumes generally re-evaluate against heavier platforms and face a migration.
  • No-code rule authoring shifts power to the risk team, which is the point, but without governance it produces rule sprawl that nobody can explain to an examiner two years later.
  • Detection quality depends on the signals you feed it, so a thin integration produces thin results and the platform cannot compensate with proprietary consortium data the way larger vendors do.
  • Pricing is quoted by volume with an annual commitment, so a fintech whose growth stalls pays for headroom it did not use.
  • SAR filing coverage is oriented to United States FinCEN reporting, so firms filing in the United Kingdom, European Union or Asia handle those submissions outside the tool.

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

Unit21

On request
  • Unit21 Platform$undefined/year
    • Priced by monitored volume and modules, annual contract
    • Fraud, AML and case management packaged separately
    • Implementation and historical data backfill quoted with the subscription

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 Unit21 if

  • You need no-code rule builder.
  • You also want case management.
Unit21 review

Questions people ask

Is Refact or Unit21 better?
Neither clearly leads. Refact starts at Free and Unit21 at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Unit21?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Unit21.
Does Refact or Unit21 run on more platforms?
Refact runs on VS Code, Web. Unit21 runs on Web.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Unit21 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 Unit21 is typically brought in for.
What can Refact do that Unit21 cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Unit21 covers No-code rule builder, Case management, SAR filing, Backtesting.

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
Unit21: Do we need engineers to run it?

Only for the initial data integration. After that the design intent is that risk and compliance staff author and deploy rules themselves.

Refact: Can I deploy Refact on-premises?

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

Source
Unit21: Does it file SARs?

Yes, it generates and electronically files suspicious activity reports to FinCEN. Non-US regimes are not covered to the same depth.

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
Unit21: Can we test a rule before it goes live?

Yes. Backtesting against historical data to see projected alert volume is one of the more useful parts of the product, because alert volume is the real cost.

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