Natural

What Natural is

Natural provides financial infrastructure for agents through a web service and API. Its tools cover wallets, payments, transfers, cards, processing, and billing. Agents can hold funds in a single wallet or across multiple wallets, then send, receive, or request money from internal and external accounts. Persistent identities, revocable keys, and configurable permissions and limits give customers ways to manage agent access.

Customers can review agent requests and responses, inspect original tool calls, and configure monitors and alerts. Natural says it automates compliance requirements and provides a ledger, alerts, and real-time webhooks. Managed dispute support includes evidence uploads, API handling, webhooks, and update events. The listed payment methods are cards, ACH, wire transfers, RTP, FedNow, and bank transfers; payment links and multi-currency support are also available.

Setup paths include Claude, Codex, an SDK, CLI, API, and an MCP endpoint. The Business and Consumer plans are free, though Business charges 0.1% or 10 bps for Pay and Request. Natural says it is a financial technology company, not a bank; wallet banking services are provided by Column N.A., Member FDIC, subject to pass-through insurance conditions. Direct, Accept, Cards, Credit, Voice, Billing, and Charge are marked Soon.

Who it suits

Natural suits agent builders and platforms that need wallet, payment, transfer, or compliance infrastructure accessible by API. It may also fit teams that want to review agent activity and manage permissions, alerts, and disputes.

Limits

The free Business plan charges 0.1% or 10 bps for Pay and Request; the Consumer plan lists those services as free. Enterprise pricing for Pay and Request is available by contacting Natural.

Getting started

1. Visit natural.com.
2. Choose a setup path for Claude, Codex, the SDK, CLI, API, or MCP endpoint.
3. Select the Business or Consumer free plan, or contact Natural about Enterprise.

Verdict

Choose Natural if you are building agents or platforms that need wallet and payment infrastructure with API-based controls and observability. Look elsewhere if you need Direct, Accept, Cards, Credit, Voice, Billing, or Charge now, since those services are marked Soon.