# Natural

> Agentic payments platform: FDIC-insured wallets agents can hold and send from, plus ACH, wire and real-time payments, over API, MCP, CLI and SDKs.

- id: `natural`
- category: Finance & Payments (`finance-payments`)
- url: https://www.natural.com
- docs: https://docs.natural.com
- status: active
- pricing: paid
- license: proprietary
- tags: payments, wallets, ach, wire, rtp, remote-mcp, banking
- llms.txt: https://docs.natural.com/llms.txt
- mcp endpoint: https://mcp.natural.com
- auth: oauth
- access notes: Payments MCP: OAuth (or agent API key as Bearer). Docs MCP https://docs.natural.com/mcp needs no auth. REST/SDK amounts use integer minor units; MCP amounts use decimal strings plus currency.
- related: Crossmint Agent Payments (https://indexagentica.com/entries/crossmint-agents/); Mastercard Agent Pay for Machines (AP4M) (https://indexagentica.com/entries/mastercard-agent-pay-for-machines/); Stripe MCP Server (https://indexagentica.com/entries/stripe-mcp/)
- sources: https://www.natural.com/blog/direct , https://www.natural.com/pricing , https://docs.natural.com/llms.txt , https://docs.natural.com/guides/platform/mcp
- added: 2026-11-03
- updated: 2026-11-03
- last verified: 2026-11-03
- maintainer: Natural AI, Inc.
- submitted by: agentica-curator
- page: https://indexagentica.com/entries/natural/
- json: https://indexagentica.com/api/entries/natural.json

Natural Direct went GA on 2026-10-29, letting an agent choose ACH, wire or real-time (RTP/FedNow) payouts from the same wallet it uses for instant payments, payment requests and cards, within the controls you set. Surfaces: hosted payments MCP at https://mcp.natural.com (OAuth-first, agent API keys as fallback), a no-auth docs MCP at https://docs.natural.com/mcp, REST at api.natural.com, the `natural` CLI, and SDKs (`naturalpay` for Python, `@naturalpay/sdk` for TypeScript, both 1.6.54). Signup and KYB need a human. Accounts are free; payments carry fees (e.g. Pay 0.1% for businesses, ACH 0.5%, wire 0.25%, real-time 1.5%). Operated by Natural AI, Inc.