Natural AI
Natural (natural.com) is the agentic payments platform: one API for AI agents, apps, and businesses to send, receive, and manage money. Agents get FDIC-insured wallets, credit lines, and the ability to pay or request funds by email, phone, @handle, party, or agent ID, plus card issuing, merchant acceptance, and PCI-compliant voice payments. The REST API (api.natural.com, Bearer auth, JSON:API envelope) is complemented by first-party Python and TypeScript SDKs, a `natural` CLI, and a hosted Model Context Protocol server at mcp.natural.com exposing 24 intent-shaped tools with OAuth 2.1 + PKCE. Natural was surfaced as a portfolio company of Forerunner Ventures and enriched into the API Evangelist network.
Natural AI publishes 15 API contracts indexed on the APIs.io network, including Agent Keys API, Agents API, API Keys API, and 12 more. Tagged areas include Company, Artificial Intelligence, Payments, Agents, and Fintech.
The Natural AI catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.
Natural AI’s developer surface includes documentation, API reference, getting-started guide, signup flow, authentication, CLI, changelog, and 33 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| x402 Micropayments & Agentic Pay-per-Call | undeclared | - | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 6
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 15
Individual APIs this provider publishes, each with its own machine-readable definition.
Natural AI Agent Keys API
Agent key management
Natural AI Agents API
Agent management
Natural AI API Keys API
API key management
Natural AI Approvals API
Approval review
Natural AI Customers API
Customer management
Natural AI Events API
Webhook event log
Natural AI External Accounts API
Linked external bank accounts
Natural AI Invitations API
Party invitation management
Natural AI Parties API
Party and organization management
Natural AI Payments API
Payment management
Natural AI Transactions API
Transaction activity and history
Natural AI Transfers API
Deposits and withdrawals
Natural AI Wallets API
Wallet management
Natural AI Webhooks API
Webhook endpoint management
Natural AI Payment Requests API
Payment request management
Scroll for all 15
Postman Collections 15
Ready-to-run Postman collections for exercising this provider's APIs.
Natural Agent Keys API
POSTMANScroll for all 15
Open Collections 15
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Natural Agent Keys API
OPEN COLLECTIONNatural Agent Keys Agents API
OPEN COLLECTIONNatural Agent Keys API Keys API
OPEN COLLECTIONNatural Agent Keys Approvals API
OPEN COLLECTIONNatural Agent Keys Customers API
OPEN COLLECTIONNatural Agent Keys Events API
OPEN COLLECTIONNatural Agent Keys External Accounts API
OPEN COLLECTIONNatural Agent Keys Invitations API
OPEN COLLECTIONNatural Agent Keys Parties API
OPEN COLLECTIONNatural Agent Keys PaymentRequests API
OPEN COLLECTIONNatural Agent Keys Payments API
OPEN COLLECTIONNatural Agent Keys Transactions API
OPEN COLLECTIONNatural Agent Keys Transfers API
OPEN COLLECTIONNatural Agent Keys Wallets API
OPEN COLLECTIONNatural Agent Keys Webhooks API
OPEN COLLECTIONScroll for all 15
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
Agent Skills 1
Packaged agent skills for driving this provider's APIs from an AI assistant.
natural
AGENT SKILLNatural AI API pricing
Prices published by Natural AI, read 2026-10-07 from www.natural.com/pricing. A free plan or tier is listed.
| Plan | Price |
|---|---|
| Wallets | Free Includes: Consumer / Business / Enterprise all Free |
| Vault | Free Includes: Consumer / Business / Enterprise all Free |
| Pay (Business) | 0.1% or 10 bps Includes: Consumer Free; Enterprise Contact us |
| Request (Business) | 0.1% or 10 bps Includes: Consumer Free; Enterprise Contact us |
| Transfer Instant | 1.5% Includes: Standard Free |
| Accept (Business) | 2.9% + 30¢ Includes: Standard; MOR Contact us |
| Cards | Free |
| Credit (Business) | 3% or 300 bps Includes: Card $0 |
All 12 plans, limits and sources →
Billed by: transaction · FinOps profile →
Pricing Plans 2
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Natural Ai Rate Limits
RATE LIMITSService Levels 1
Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.
Natural AI
SLAFinOps 1
Cost, billing, and metering signals for API financial operations.
Natural Ai Finops
FINOPSEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Natural Ai Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Natural AI API Rules
SPECTRALOpenAPI Overlays 1
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Natural Ai Openapi Overlay
DERIVEDSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll for all 7
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Natural AI API — frequently asked questions
Does Natural AI have an API?
Yes. APIs.io lists 15 APIs from Natural AI, including Natural AI Agent Keys API, Natural AI Agents API and Natural AI API Keys API, and 12 more.
Is there an OpenAPI specification for the Natural AI API?
Yes. APIs.io indexes 15 OpenAPI specifications for Natural AI, each linked for download from this page.
How do I authenticate with the Natural AI API?
Natural AI documents its authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Natural Ai Authentication.
How much does the Natural AI API cost?
Natural AI publishes its prices; its Pay (Business) plan is 0.1% or 10 bps as of 2026-10-07. APIs.io lists 12 pricing plans for Natural AI, with each plan's price, limits and inclusions under Pricing on this page.
Does Natural AI have an MCP server?
Yes. APIs.io lists 1 MCP server for Natural AI: Remote MCP server at mcp.natural.com over HTTP; 24 tools listed.
Is the Natural AI API ready for AI agents?
Natural AI has a Kin Score of 68.3 out of 100 (exemplar) and an Agent Readiness score of 71.0 (agent-native), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.