Natural
Natural is financial infrastructure for software agents, available through a web service and API.
What Natural is
Natural is financial infrastructure for software agents, available through a web service and API. It supports wallets, payments, cards, processing, and billing. Agents can create one wallet or multiple wallets through a unified API, store funds, and move money between internal and external accounts. Connected agents can send, receive, or request funds by API call. Persistent identities, revocable agent keys, configurable limits, and permissions provide control over agent access. Customers can review requests and responses, inspect original tool calls, and configure monitors and alerts. Natural says it automates compliance requirements with alerts, a full ledger, and real-time webhooks. Managed disputes include evidence upload, API handling, webhooks, and update events. Setup paths include Claude, Codex, an SDK, CLI, API, and an MCP endpoint. A free plan is listed. Business Pay and Request are 0.1% or 10 bps, while Consumer lists its services as free.
Good
- Free plan available
- Unified API supports multiple wallets
- Persistent identities and revocable keys
- Monitoring, alerts, and ledger tools
- Cards, ACH, wire, RTP, and FedNow supported
Watch out
- Several services are marked Soon
- Natural is not a bank
- Business Pay and Request carry 0.1% fees
Who it suits
Natural suits agent builders and platforms needing wallet and payment infrastructure through web or API access. It also fits teams that need agent permissions, monitoring, compliance tools, and dispute workflows.
Verdict
Natural combines agent wallet infrastructure with payment movement, controls, observability, compliance, and disputes. The free Consumer plan is broad, while Business transaction fees and several Soon services should be considered.
Plans and prices
From Natural's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Business | Free | Wallets: Free · Vault: Free · Pay: 0.1% or 10 bps · Request: 0.1% or 10 bps · Transfer: Free standard listed at 1.5% · Cards: Free · Connect: Free |
| Consumer | Free | Wallets: Free · Vault: Free · Pay: Free · Request: Free · Transfer: Free · Cards: Free · Connect: Free |
| Enterprise | Priced on request | Wallets: Free · Vault: Free · Pay: Contact us · Request: Contact us · Transfer: Free standard, contact us · Cards: Free · Connect: Free |
The facts
Each one read from Natural's own pages, with the date it was checked.
What it does
- Audience
- Natural describes its product as infrastructure for agents and highlights agent builders and platforms as users.checked 9 Oct 2026
- Availability
- The pricing page marks Direct, Accept, Cards, Credit, Voice, Billing, and Charge as Soon.checked 9 Oct 2026
- Banking and insurance
- Natural says it is a financial technology company, not a bank, and that wallet banking services are provided by Column N.A., Member FDIC, subject to pass-through insurance conditions.checked 9 Oct 2026
- Compliance
- Natural says it automates compliance requirements and provides alerts, a full ledger, and real-time webhooks.checked 9 Oct 2026
- Compliance providers
- Its listed subprocessors include Persona for individual identity verification, Baselayer for business verification, and Oscilar for screening and transaction risk decisioning.checked 9 Oct 2026
- Disputes
- Natural offers managed disputes with evidence upload, API handling, webhooks, and events for updates.checked 9 Oct 2026
- Identity and controls
- Natural provides persistent agent identities, revocable agent keys, and configurable limits and permissions.checked 9 Oct 2026
- Integrations
- The homepage shows setup paths for Claude, Codex, an SDK, CLI, and API, including an MCP endpoint.checked 9 Oct 2026
- Observability
- The service lets customers review agent requests and responses, inspect original tool calls, and configure monitors and alerts.checked 9 Oct 2026
- Product
- Natural provides agent-first financial infrastructure for wallets, payments, cards, processing, and billing.checked 9 Oct 2026
- Support
- Natural lists a contact option, [email protected], and a Slack community for developers.checked 9 Oct 2026
- Transfers
- Agents can move money between internal and external accounts, and connected agents can send, receive, or request funds by API call.checked 9 Oct 2026
- Wallets
- Its wallets let agents store funds, with support for creating one wallet or multiple wallets through a unified API.checked 9 Oct 2026
The company
- Company
- Natural says it was incorporated on August 12, 2025, and that its team is based in San Francisco.checked 9 Oct 2026
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