agent · ai-coding-agents
Cursor vs Refact.ai
55 fields both were evaluated on, 23 of them different — including where one discloses something the other does not. Every value links to the document it came from. 32 further fields are disclosed by neither and are listed at the end rather than tabled.
Assurance
| Field | Cursor | Refact.ai |
|---|---|---|
| Explainability· | no public information cursor.com · checked Aug 3, 2026 |
Agency
| Field | Cursor | Refact.ai |
|---|---|---|
| Autonomy level· | full autonomy agentic version “In Cursor, you can do Cmd+K for targeted edits, or let it rip with the full autonomy agentic version.”cursor.com · checked Aug 3, 2026 | “Autonomous AI agent Delegate your coding tasks end-to-end Just describe what you need — Refact.ai Agent plans, executes, and deploys.”refact.ai · checked Aug 1, 2026 |
| Human oversight· | “Agents use their own computers to build, test, and demo features end to end for you to review.”cursor.com · checked Aug 3, 2026 | “It works like another developer in your IDE, integrating with your codebase and stack, while letting you preview and control the process.”refact.ai · checked Aug 1, 2026 |
| Goal complexity· | ||
| Action space· | “Refact.ai Agent accesses your resources and handles related operations autonomously, mimicking your workflow.”refact.ai · checked Aug 1, 2026 | |
| Operating environment· | “Cursor runs in your terminal, collaborates in Slack, and reviews PRs in GitHub.”cursor.com · checked Aug 3, 2026 | Runs inside the developer's IDE, working against their codebase and stack “It works like another developer in your IDE, integrating with your codebase and stack, while letting you preview and control the process.”refact.ai · checked Aug 1, 2026 |
| Initiative· | “Set up always-on agents that run on schedules or triggers to build, maintain, and fix your software.”cursor.com · checked Aug 3, 2026 | no public information refact.ai · checked Aug 1, 2026 |
Safety
| Field | Cursor | Refact.ai |
|---|---|---|
| Data handling· | no public information cursor.com · checked Aug 3, 2026 | On-premise deployment offered as the data-control option; no retention, training-use or deletion terms published on the page checked “On-premise deployment keeps your code private and fully under your control. It provides maximum security and complete data ownership.”refact.ai · checked Aug 1, 2026 |
Practicality
| Field | Cursor | Refact.ai |
|---|---|---|
| Price point· | no public information cursor.com · checked Aug 3, 2026 | |
| Availability· | no public information cursor.com · checked Aug 3, 2026 | Hosted service being discontinued - the homepage carries a banner stating Refact Cloud is shutting down soon “Refact Cloud is shutting down soon”refact.ai · checked Aug 1, 2026 |
| Deployment options· | Desktop application; macOS download offered on the homepage “Download for macOS”cursor.com · checked Aug 3, 2026 | no public information refact.ai · checked Aug 1, 2026 |
| Integrations· | “Cursor runs in your terminal, collaborates in Slack, and reviews PRs in GitHub.”cursor.com · checked Aug 3, 2026 | no public information refact.ai · checked Aug 1, 2026 |
| Support model· | no public information cursor.com · checked Aug 3, 2026 | "Priority support and onboarding" named as a paid-tier feature; no response times or remedies published “Priority support and onboarding”refact.ai · checked Aug 1, 2026 |
Foundation models
| Field | Cursor | Refact.ai |
|---|---|---|
| Base models· | Models from OpenAI, Anthropic, Gemini, SpaceXAI and Cursor's own; named as written on the page “Choose between every cutting-edge model from OpenAI, Anthropic, Gemini, SpaceXAI, and Cursor.”cursor.com · checked Aug 3, 2026 | “Powered by Qwen2.5-Coder model and Retrieval-augmented generation (RAG)”refact.ai · checked Aug 1, 2026 |
| Model provider· | “Choose between every cutting-edge model from OpenAI, Anthropic, Gemini, SpaceXAI, and Cursor.”cursor.com · checked Aug 3, 2026 | “Use Claude 4, GPT-4o, or GPT-4o mini with AI Agent or for chat queries. Bring your own key Connect your API key and use any LLM: Gemini, Grok, OpenAI, Deepseek, and others.”refact.ai · checked Aug 1, 2026 |
| Model swappable· | “Bring your own key Connect your API key and use any LLM: Gemini, Grok, OpenAI, Deepseek, and others.”refact.ai · checked Aug 1, 2026 | |
| Fine-tuning· | no public information cursor.com · checked Aug 3, 2026 | “Fine-tune LLMs Train AI on your stack to customize its behavior.”refact.ai · checked Aug 1, 2026 |
Ecosystem
| Field | Cursor | Refact.ai |
|---|---|---|
| Protocols supported· | no public information refact.ai · checked Aug 1, 2026 | |
| Tool use· | “type @ for tools & MCPs, / for skills and commands”cursor.com · checked Aug 3, 2026 | “Refact.ai Agent accesses your resources and handles related operations autonomously, mimicking your workflow.”refact.ai · checked Aug 1, 2026 |
| Open source· | no public information cursor.com · checked Aug 3, 2026 | Self-described as open source in the homepage headline; no licence named on the page checked “Your Open-Source, Autonomous AI Agent”refact.ai · checked Aug 1, 2026 |
| Marketplace presence· | no public information cursor.com · checked Aug 3, 2026 | Plugins published for VS Code, JetBrains IDEs (PyCharm, WebStorm, GoLand, IntelliJ, CLion), Visual Studio, Neovim and Sublime Text; several marked beta “Download Refact.ai plugins: VS Code JetBrains Visual Studio beta Neovim beta Sublime Text beta PyCharm WebStorm GoLand IntelliJ CLion”refact.ai · checked Aug 1, 2026 |
Impact
| Field | Cursor | Refact.ai |
|---|---|---|
| User base· | no public information cursor.com · checked Aug 3, 2026 | |
| Deployment scale· | “Trusted by over half of the Fortune 500 to accelerate development, securely and at scale.”cursor.com · checked Aug 3, 2026 | no public information refact.ai · checked Aug 1, 2026 |
Disclosed by neither
Both Cursor and Refact.ai publish nothing on these 32 fields. That is a finding about the category rather than a difference between them, so it is recorded here instead of as 32 identical table rows. Each is shown with its source check on the individual profiles.
- Target sectors
- High-risk domains
- Documented incidents
- Pricing model
- Supported regions
- Open weights
- Context window
- Multi-agent
- API access
- Safety evaluations
- Red teaming
- Safety policy
- Usage restrictions
- Model or system card
- Incident reporting
- Third-party evaluations
- Insurance available
- Insurance carriers
- Coverage limits
- Indemnification
- Liability cap
- Audit trail
- Tamper-evident log
- Runtime governance
- Permission scopes
- Compliance certifications
- Regulatory alignment
- Outcome-based pricing
- Settlement mechanism
- Dispute process
- SLA terms
- Evaluation coverage
Questions
- How do Cursor and Refact.ai compare on availability?
- Cursor: no public information disclosed. Refact.ai: Hosted service being discontinued - the homepage carries a banner stating Refact Cloud is shutting down soon.
- How do Cursor and Refact.ai compare on deployment options?
- Cursor: Desktop application; macOS download offered on the homepage. Refact.ai: no public information disclosed.
- How do Cursor and Refact.ai compare on support model?
- Cursor: no public information disclosed. Refact.ai: "Priority support and onboarding" named as a paid-tier feature; no response times or remedies published.
- How do Cursor and Refact.ai compare on open source?
- Cursor: no public information disclosed. Refact.ai: Self-described as open source in the homepage headline; no licence named on the page checked.
- How do Cursor and Refact.ai compare on marketplace presence?
- Cursor: no public information disclosed. Refact.ai: Plugins published for VS Code, JetBrains IDEs (PyCharm, WebStorm, GoLand, IntelliJ, CLion), Visual Studio, Neovim and Sublime Text; several marked beta.
- How do Cursor and Refact.ai compare on data handling?
- Cursor: no public information disclosed. Refact.ai: On-premise deployment offered as the data-control option; no retention, training-use or deletion terms published on the page checked.