/Companies

Bretton AI

YC S23

San Francisco, US · Founded 2023 · 34 employees · Hiring · 13 known investors

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Bretton AI provides an agentic AI platform and managed services for regulated banks, focusing on financial crime prevention, fraud detection, institutional risk management, and back-office operations in the financial services sector.

Also known as Greenlite AI

Founders & leadership· Y Combinator alumni (S23)

Bretton AI was founded in 2023 by Will Lawrence and Alex Jin.

WLWill Lawrence
Will LawrenceCEO & Co-founderWill Lawrence led product development for Facebook's anti-money laundering platform and previously built compliance infrastructure at Paxos. He is co-founder and CEO of Greenlite, which provides AI-powered financial crime operations tools for fintech companies.
AJAlex Jin
Alex JinCo-Founder2023–2025Co-Founder at Greenlite AI
RSRick Shooman
Rick ShoomanManaging Director, Head of ServicesManaging Director, Head of Services at Greenlite AI

Board

SRSeth Rosenberg
Seth RosenbergBoard MemberPartner at Greylock Partners
RDRajeev Dham
Rajeev DhamBoard Member (Sapphire Ventures Partner)Partner at Sapphire Ventures

Investors · 13

Also in the syndicate · 4

GreylockTIAA VenturesTim MayopoulosTim Mayopoulos (angel)

Funding

SEC filings, press & company announcements

$90M disclosed across 2 of 7 rounds · 2023–2026

Source: company announcements and press reports — follow each round's link for the claim.

Company profile

researched Aug 2026

Greenlite AI was founded in San Francisco in 2023 by Will Lawrence (CEO) and Alex Jin, going through Y Combinator's Summer 2023 (S23) batch. Will Lawrence previously led product work on Meta's/Facebook's anti-money-laundering platform (including compliance for WhatsApp Payments across payments, gaming and e-commerce use cases) and then built identity and compliance infrastructure at Paxos, a crypto-focused fintech powering over 10 million crypto wallets. Co-founder Alex Jin was previously an engineer and product manager at Dropbox and the first employee at Flixed, where he led product development. Notably, by 2026 Alex Jin no longer appears in Y Combinator's public founder directory for the company or in company press materials/testimonials, which only reference Will Lawrence as 'Co-Founder and CEO' -- his current involvement with the company could not be independently confirmed and should be treated as uncertain.

The company's original pitch (per its YC launch post, 'Greenlite: AI compliance teams for fintechs') was that fintech compliance teams were spending heavily on outsourced AML/KYC analysts to handle routine, well-defined reviews, and that AI agents could handle these tasks 24/7, escalating only higher-risk judgment calls to human staff. Greenlite raised a seed round of $4.8 million, reported by Axios (paywalled) on November 8, 2023, corroborated by Y Combinator's company news feed. Early customers publicized included Grasshopper Bank (American Banker and Finextra coverage in Feb/March 2024, citing time savings in due diligence) and a partnership with Treasury Prime (announced via Business Wire, October 2024) to bring compliance AI to banks on Treasury Prime's banking-as-a-service network. The company also drew industry recognition during this period: Gartner named it a leader in AI agents for financial services (July 2024), IVP included it in its 'Enterprise 55: 2024' list (June 2024), and Business Insider named it one of '15 AI-powered fintechs to watch in 2025' (January 2025). Greenlite also partnered with ComplyAdvantage (announced May 2025) to combine watchlist/sanctions data with Greenlite's agentic workflow layer.

On May 21, 2025, Greenlite AI announced a $15 million Series A, led by Greylock (with Greylock partner Seth Rosenberg joining the board), and joined by Thomson Reuters Ventures, Canvas Ventures (Canvas Prime), Y Combinator, and angel investors including Tim Mayopoulos, former CEO of Fannie Mae. This brought total funding to roughly $20 million. At the time, named customers included Ramp, Mercury, Betterment, Gusto, RSM UK and multiple U.S. banks, with Grasshopper Bank citing a 70% reduction in time spent on repetitive compliance workflows. The Series A coverage was extensive, appearing in American Banker, Finextra, Finovate, Yahoo Finance, FinTech Global, FinTech Futures and LinkedIn News, among others.

Business model

B2B enterprise software and AI-native managed services sold to regulated financial institutions (banks, fintechs, broker-dealers); offers both a self-serve/assisted 'Bretton AI Platform' (Templates, Builder, Workbench) for customers to build and run their own AI agents, and 'Bretton AI Managed Services' where a dedicated Bretton team runs the compliance program end-to-end on the same platform.

Multi-year enterprise contracts; the company says it charges for completed work/outcomes rather than analyst hours. Average annual contract value grew from about $25,000 at seed (2023) to $85,000 at Series A (2025) to roughly $201,000 at Series B (2026); reported net dollar retention of over 180%.

▸Full profile — profile (continued), go-to-market, ownership

Profile (continued)

In August 2025 the company signed a lease for office space in San Francisco's SOMA district (covered by Yahoo Finance), reflecting continued headcount growth (the company grew from a founding team of about seven at YC to roughly 100 employees by mid-2026, drawing hires from Meta, Netflix, Uber, Stripe and SpaceX, per CEO Will Lawrence).

On February 10-12, 2026, the company announced a $75 million Series B -- less than a year after its Series A -- led by Sapphire Ventures, with continued participation from Greylock, Thomson Reuters Ventures, Canvas Ventures and Y Combinator, plus new investor TIAA Ventures. Sapphire Ventures partner Rajeev Dham joined the board. Concurrently, the company rebranded from Greenlite AI to Bretton AI (a reference to the 1944 Bretton Woods conference that established the post-WWII financial system's rules and rails), reflecting an expanded ambition to move beyond AML/KYC point solutions toward a broader 'AI-native operations' platform for the financial back office (spanning compliance, risk, fraud and operations). CEO Will Lawrence said total funding raised across the three rounds (seed, Series A, Series B) was 'about $95 million'; the company declined to disclose revenue or valuation. Widely covered in Fortune, The Wall Street Journal, Axios, Finextra, FinSMES, FinTech Futures and Connecting the Dots in Fintech.

At the Series B, the company reported: combined market capitalization of customers using the platform grew from $150 billion to over $1 trillion in the prior year; five new publicly traded companies signed as customers in 2025; average contract value grew from about $25,000 (seed, 2023) to $85,000 (Series A, 2025) to about $201,000 (Series B, 2026); customers had saved more than $10 million in compliance headcount/risk costs; the platform had eliminated more than 195,000 hours of manual work and completed over 1.2 million Level 1/Level 2 investigations; and net dollar retention exceeded 180%.

Post-rebrand in 2026, Bretton AI has continued to expand its customer base and product line. On June 30, 2026 it formally launched the 'Bretton AI Platform' (bundling Templates, Builder, Workbench and Trust Infrastructure) alongside Bretton AI Managed Services, positioning itself as an agent-first alternative to BPOs/outsourcing for community and regional banks. Case studies and testimonials cite an FDIC-regulated bank cutting compliance review time by 87%; a global exchange saving $5.35 million in operational costs in year one; a global payments platform conducting 200,000+ customer reviews with Bretton; and First Internet Bank reducing SBA loan-origination review time from 8-10 hours to under 1 hour (87% reduction, ~24,300 hours saved annually). Named customers/testimonials as of mid-2026 include Coastal Community Bank / CCBX (President Brian Hamilton), Gusto (BSA Officer John Wiethorn), MVB Bank (a Nasdaq-listed MVB Financial Corp. subsidiary; multi-year AML/KYC deal announced August 2026), and a partnership with Risk Management Solutions Group (RMSG, announced August 2026). The company won CB Insights' 'AI 100' award in May 2026. In May 2026 the CEO discussed the Nasdaq board display in Times Square, NY following the Series B. As of August 2026, the platform is described as 'trusted by OCC, FDIC and Fed regulated institutions' and used by Robinhood, Mercury, Gusto, Lead Bank and Coastal Community Bank, among others.

Competitively, Bretton AI/Greenlite positions itself against (a) point-solution AML/KYC software vendors such as Alloy, ComplyAdvantage (also a former go-to-market partner), Hawk AI, Unit21, Sardine and Feedzai; (b) traditional BPO/outsourced compliance staffing providers; and (c) general-purpose AI/LLM tooling being adapted for compliance use cases. No evidence was found that the company (as Greenlite AI or Bretton AI) has made any acquisitions of its own, been acquired, or pursued an IPO; it remains an independent, privately held company as of August 2026.

Go-to-market

OCC-, FDIC- and Federal Reserve-regulated banks, SEC-regulated broker-dealers, fintechs, payment platforms, and Fortune 500 companies; named customers include Ramp, Mercury, Betterment, Gusto, Robinhood, RSM UK, Grasshopper Bank, Coastal Community Bank (CCBX), Lead Bank, First Internet Bank, and MVB Bank.

Ownership

private

Compiled by commissioned research from 16 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Average annual contract valueFeb 2026$201K
Customer market cap using platformFeb 2026$1T
Employee headcountAug 2026100 employees
L1/L2 investigations completedFeb 20261,200,000 investigations
LinkedIn followersAug 20268,620 followers
Manual hours eliminatedFeb 2026195,000 hours
Net dollar retentionJul 2026180%
Total funding raisedFeb 2026$94.8M

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Images

Bretton AI photo

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Companies working in the same space as Bretton AI.

Customers & partners

Named customers · 12

BettermentCoastal Community Bank (CCBX)First Internet BankGrasshopper BankGustoLead BankMercuryMVB Bank (MVB Financial Corp.)RampRobinhoodRSM UKTreasury Prime (partner/distribution)

Relationships the company or its partners disclosed publicly — case studies, joint announcements, press.

Timeline · 14

launches, deals, and filings
Aug 2026
MVB Bank multi-year deal

MVB Bank (subsidiary of Nasdaq-listed MVB Financial Corp.) signs multi-year partnership for AML transaction monitoring and KYC.

Jun 2026
Bretton AI Platform launch

Formal launch of the unified 'Bretton AI Platform' (Templates, Builder, Workbench, Trust Infrastructure) plus Bretton AI Managed Services, expanding beyond AML/KYC into broader back-office operations.

May 2026
CB Insights AI 100 award

Bretton AI wins CB Insights' 2026 AI 100 award recognizing the most promising AI companies.

Feb 2026
Rebrand to Bretton AI + Series B ($75M)

Greenlite AI rebrands as Bretton AI and announces a $75 million Series B led by Sapphire Ventures, with continued participation from Greylock, Thomson Reuters Ventures, Canvas Ventures and Y Combinator, plus new investor TIAA Ventures; Sapphire's Rajeev Dham joins the board.

Aug 2025
San Francisco SOMA office lease

Signed lease for office space in San Francisco's SOMA district, reported by Yahoo Finance.

May 2025
Series A ($15M) led by Greylock

Announced $15 million Series A led by Greylock, with Thomson Reuters Ventures, Canvas Ventures, Y Combinator and angel investors; total funding to date reaches ~$20 million.

May 2025
ComplyAdvantage partnership

ComplyAdvantage and Greenlite AI join forces to bring AI agents to financial-crime compliance workflows.

Jan 2025
Business Insider 'fintechs to watch'

Named one of 15 AI-powered fintechs to watch in 2025 by Business Insider.

Oct 2024
Treasury Prime partnership

Treasury Prime and Greenlite AI partner to bring compliance AI to banks across the US via Treasury Prime's BaaS network.

Jul 2024
Gartner recognition

Gartner identifies Greenlite AI as a leader in AI agents for financial services.

Jun 2024
IVP Enterprise 55 recognition

Named in IVP's 'Enterprise 55: 2024 Edition' list of notable enterprise startups.

Mar 2024
Grasshopper Bank deployment

American Banker reports Grasshopper Bank finds compliance time savings using Greenlite AI's generative-AI due diligence suite.

Nov 2023
Seed funding ($4.8M)

Raised $4.8 million seed round, reported exclusively by Axios.

Jun 2023
Y Combinator Summer 2023 batch / public launch

Greenlite AI launched publicly on Y Combinator as 'Greenlite: AI compliance teams for fintechs.'

Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.

In the news

▸Research sources · 16

primary sources listed

16 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Bretton AI do?
Grow the bank. Not the back office.
Who founded Bretton AI?
Bretton AI was founded by Will Lawrence, Alex Jin in 2023.
Who are Bretton AI's investors?
Bretton AI's investors include Canvas Ventures, Greylock Partners, Sapphire Ventures, Soma Capital, Thomson Reuters Ventures, Y Combinator, Capital Bank Group, Citi Ventures and 1 more.
How much funding has Bretton AI raised?
Bretton AI has disclosed $90M raised across 2 of its 7 known rounds.
Where is Bretton AI headquartered?
Bretton AI is headquartered in San Francisco, US.