Retool alternative for regulated fintechs

Forest, the Retool alternative that puts your ops team in control

Forest, the Retool alternative that puts your ops team in control

Forest, the Retool alternative that puts your ops team in control

Forest is the back-office for regulated fintechs: native workflows your ops team runs, dispatch that sends every case to the right person, and a gateway that takes it into your AI agents and the tools your team already uses. Every action is permissioned and audited.

TL;DR

Retool is a builder for internal apps of any kind. Forest is a back-office for regulated fintechs, where ops teams run their processes on live records.

In Forest, process owners run native workflows, approvals and dispatch. In Retool, a builder assembles workflows, task blocks and the review apps that go with them.

One set of roles, one approval model and one audit trail apply to every person and every AI agent, in the Forest UI, in Zendesk, in n8n or in an LLM client.

Comparison

Forest and Retool, line by line

Forest and Retool, line by line

Forest
Retool
Built for
ForestOps teams running back-office processes in regulated fintechs
RetoolDevelopers building internal apps of any kind
Workflows
ForestNative workflows owned by process owners: guidance, data checks, decisions, approvals, AI-assisted steps and MCP tasks in one flow. Runs start from the UI, by webhook or from an AI agent
RetoolRetool Workflows automate jobs, alerts and ETL tasks, triggered on a schedule or by webhook. Human steps go through User Tasks (beta) and a review app a builder makes
Approvals
ForestSet per action and per role in settings: require approval, approve, self-approve. Nothing to build
RetoolA builder adds a User Task block to a workflow and a review app to complete it
Dispatch
ForestInboxes turn a segment or a workflow escalation into a queue and assign each task automatically, based on workload and dispatch rules
RetoolTasks assigned to set users or groups, or by code
Permissions
ForestRoles per team, down to field level and conditional rules, applied the same way to people and agents
RetoolRich permissions on Business; granular roles on Enterprise only
Audit trail
ForestEvery data change, action, approval, inbox task and workflow step logged with user, record and timestamp; optional field-level before/after values in a database you own
RetoolAudit logs on Business and Enterprise
Agents and tools outside the UI
ForestThe Forest Gateway serves your back-office to AI agents (MCP) and to the tools your operators use (API: Zendesk app, n8n, your own apps). Agents query records, run actions and start workflows with the permissions of their Forest user
RetoolAn MCP server (beta) lets AI clients build and manage Retool apps and query connected resources. Retool's own Agents are billed by the hour after 20 free hours a month
Where it runs
ForestThe Forest agent and workflow runtime run in your infrastructure, next to your data
RetoolRetool Cloud; self-hosted or air-gapped on Enterprise only

Retool information from retool.com/pricing, Workflows and User Tasks documentation, and Retool's MCP guide, checked 26 October 2026. Forest information from docs.forest.app.

Where they differ

Three things Forest runs that an app builder leaves to you

Three things Forest runs that an app builder leaves to you

All three run under the same roles, approvals and audit trail, for people and agents alike.

Native workflows

Your ops team runs the process

Developers expose actions once. Process owners then build and change workflows themselves: guidance, data checks, decisions, approvals, AI-assisted steps and calls to other tools through MCP. Runs start from the UI, from a webhook or from an AI agent, and a step that needs a person waits for one.

Dispatch

Every case reaches the right person

Inboxes turn a segment of records, such as documents waiting for validation, or a workflow escalation into a queue. Forest assigns each task based on workload and dispatch rules, and every assignment is logged.

Gateway

Forest works where your team works

The Forest Gateway serves your back-office beyond the Forest UI: an MCP service for AI agents and an API for the tools your operators already use, like the Zendesk app or n8n. An agent acts as a Forest user, with the same permissions and the same audit trail as a person.

Who it's for

Forest is built for you if

01

You run regulated operations

KYC and KYB reviews, payments, disputes, refunds: work where a wrong click has a compliance cost.

01

You run regulated operations

KYC and KYB reviews, payments, disputes, refunds: work where a wrong click has a compliance cost.

02

Your ops team should own its processes

Process owners change a workflow themselves instead of writing a spec and waiting for engineering.

02

Your ops team should own its processes

Process owners change a workflow themselves instead of writing a spec and waiting for engineering.

03

People, BPOs and AI agents share the work

Everyone works the same cases, on the same data, under the same permissions and audit trail.

03

People, BPOs and AI agents share the work

Everyone works the same cases, on the same data, under the same permissions and audit trail.

Questions about Forest vs Retool

You still have question ?
Book a conversation with a forest expert

You still have question ?
Book a conversation with a forest expert

Does Forest need direct access to our production database?

No. The Forest agent runs in your infrastructure and can connect to your database, to your ORM models, or to your own API through a custom data source. Your records stay on your side: Forest's activity logs keep the user, the record ID and the timestamp, not the record's content.

Can our ops team change a process without a developer?

Yes, for the process itself. Developers code the actions once; process owners then build and edit workflows in the Forest UI, add approval steps and set who handles what.

Can our AI agents act in Forest?

Yes. Any agent that speaks MCP can connect to the Forest MCP server. It acts with the permissions of the Forest user it signs in as, and its operations are logged like a human's.

Can our team use Forest outside the Forest UI?

Yes. The Forest Gateway exposes your data, actions and workflows through an MCP service for AI agents and an API for other tools. Forest ships a Zendesk app and an n8n node built on it, and every call keeps the user's permissions and lands in the activity log.

Can we run Forest and Retool side by side?

Yes. Both can read the same databases, so you can move one process at a time.

Which languages and data sources does Forest support?

Forest agents run on Node.js and Ruby. They connect to SQL databases, MongoDB and custom APIs, and you can combine several data sources in one back-office.

How do you ensure customer data never leaves our environment?

The Forest backend runs inside your infrastructure, alongside your databases. Customer data travels to a provider only at the point where its service is called, and the response is logged back to the case. Data stays in your systems of record.

{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Does Forest need direct access to our production database?","acceptedAnswer":{"@type":"Answer","text":"No. The Forest agent runs in your infrastructure and can connect to your database, to your ORM models, or to your own API through a custom data source. Your records stay on your side: Forest's activity logs keep the user, the record ID and the timestamp, not the record's content."}},{"@type":"Question","name":"Can our ops team change a process without a developer?","acceptedAnswer":{"@type":"Answer","text":"Yes, for the process itself. Developers code the actions once; process owners then build and edit workflows in the Forest UI, add approval steps and set who handles what."}},{"@type":"Question","name":"Can our AI agents act in Forest?","acceptedAnswer":{"@type":"Answer","text":"Yes. Any agent that speaks MCP can connect to the Forest MCP server. It acts with the permissions of the Forest user it signs in as, and its operations are logged like a human's."}},{"@type":"Question","name":"Can our team use Forest outside the Forest UI?","acceptedAnswer":{"@type":"Answer","text":"Yes. The Forest Gateway exposes your data, actions and workflows through an MCP service for AI agents and an API for other tools. Forest ships a Zendesk app and an n8n node built on it, and every call keeps the user's permissions and lands in the activity log."}},{"@type":"Question","name":"Can we run Forest and Retool side by side?","acceptedAnswer":{"@type":"Answer","text":"Yes. Both can read the same databases, so you can move one process at a time."}},{"@type":"Question","name":"Which languages and data sources does Forest support?","acceptedAnswer":{"@type":"Answer","text":"Forest agents run on Node.js and Ruby. They connect to SQL databases, MongoDB and custom APIs, and you can combine several data sources in one back-office."}},{"@type":"Question","name":"How do you ensure customer data never leaves our environment?","acceptedAnswer":{"@type":"Answer","text":"The Forest backend runs inside your infrastructure, alongside your databases. Customer data travels to a provider only at the point where its service is called, and the response is logged back to the case. Data stays in your systems of record."}}]}

Next step

Bring one regulated process. We'll run it in Forest.

Next step

Bring one regulated process. We'll run it in Forest.

Next step

Bring one regulated process. We'll run it in Forest.

Comparison based on public information as of 26 October 2026. Retool information comes from Retool’s public pricing page and documentation; plans and features may have changed since. Forest information comes from the Forest documentation.

Retool is a trademark of its respective owner. Its use here identifies the product being compared and implies no affiliation or endorsement.

The operational infrastructure regulated companies grow on

Copyright © 2026 Forest

Design by Alasta & Built by Reiya Studio