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 APIs on the APIs.io network, including Agent Keys API, Agents API, API Keys API, and 12 more. Tagged areas include Company, Ai, Payments, Agents, and Fintech.

The Natural AI catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Natural AI’s developer surface includes documentation, API reference, getting-started guide, signup flow, authentication, CLI, changelog, and 30 more developer resources.

🌐 Visit website 📡 Source on GitHub
63.0/100 strong ▬ flat Agent 90/100 agent native Full breakdown ↓
scored 2026-07-23 · rubric v0.5
AccessSelf serve
15 APIs 1 MCP Servers
CompanyAiPaymentsAgentsFintechMoney MovementWalletsAgentic PaymentsMCP

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 63.0/100 · strong
Contract Quality 16.2 / 25
Developer Ergonomics 15.2 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 6.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 90/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/natural-ai: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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 PaymentRequests API

Payment request 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

Scroll for all 15

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

natural-ai-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Natural Ai Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Natural Ai Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Natural Ai Authentication

http/oauth2 · 2 schemes

SECURITY

Natural Ai Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Natural Ai Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Natural Ai Agentic Access

76 operations · 43 acting · 6 human-in-the-loop

76 operations · 43 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgenticAccess
AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Idempotency
Idempotency
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs
 CLI
CLI

Access & Security 4

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 4

Status, limits, changes, and where to get help

RateLimits
RateLimits
 ChangeLog
ChangeLog
 StatusPage
StatusPage
 Deprecation
Deprecation

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: natural-ai
name: Natural AI
description: '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.'
url: https://raw.githubusercontent.com/api-evangelist/natural-ai/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- forerunner-ventures
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Ai
- Payments
- Agents
- Fintech
- Money Movement
- Wallets
- Agentic Payments
- MCP
image: https://www.natural.com/favicon.ico
apis:
- aid: natural-ai:natural-ai-agent-keys-api
  name: Natural AI Agent Keys API
  description: Agent key management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Agent Keys
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-agent-keys-api-openapi.yml
- aid: natural-ai:natural-ai-agents-api
  name: Natural AI Agents API
  description: Agent management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Agents
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-agents-api-openapi.yml
- aid: natural-ai:natural-ai-api-keys-api
  name: Natural AI API Keys API
  description: API key management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - API Keys
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-api-keys-api-openapi.yml
- aid: natural-ai:natural-ai-approvals-api
  name: Natural AI Approvals API
  description: Approval review
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Approvals
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-approvals-api-openapi.yml
- aid: natural-ai:natural-ai-customers-api
  name: Natural AI Customers API
  description: Customer management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-customers-api-openapi.yml
- aid: natural-ai:natural-ai-events-api
  name: Natural AI Events API
  description: Webhook event log
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-events-api-openapi.yml
- aid: natural-ai:natural-ai-external-accounts-api
  name: Natural AI External Accounts API
  description: Linked external bank accounts
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - External Accounts
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-external-accounts-api-openapi.yml
- aid: natural-ai:natural-ai-invitations-api
  name: Natural AI Invitations API
  description: Party invitation management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Invitations
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-invitations-api-openapi.yml
- aid: natural-ai:natural-ai-parties-api
  name: Natural AI Parties API
  description: Party and organization management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-parties-api-openapi.yml
- aid: natural-ai:natural-ai-paymentrequests-api
  name: Natural AI PaymentRequests API
  description: Payment request management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - PaymentRequests
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-paymentrequests-api-openapi.yml
- aid: natural-ai:natural-ai-payments-api
  name: Natural AI Payments API
  description: Payment management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-payments-api-openapi.yml
- aid: natural-ai:natural-ai-transactions-api
  name: Natural AI Transactions API
  description: Transaction activity and history
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-transactions-api-openapi.yml
- aid: natural-ai:natural-ai-transfers-api
  name: Natural AI Transfers API
  description: Deposits and withdrawals
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-transfers-api-openapi.yml
- aid: natural-ai:natural-ai-wallets-api
  name: Natural AI Wallets API
  description: Wallet management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-wallets-api-openapi.yml
- aid: natural-ai:natural-ai-webhooks-api
  name: Natural AI Webhooks API
  description: Webhook endpoint management
  humanURL: https://docs.natural.com/api-reference/about
  baseURL: https://api.natural.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/natural-ai-webhooks-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.natural.com
- type: DeveloperPortal
  url: https://docs.natural.com
- type: Documentation
  url: https://docs.natural.com/guides/overview/start-here
- type: APIReference
  url: https://docs.natural.com/api-reference/about
- type: GettingStarted
  url: https://docs.natural.com/guides/overview/start-here
- type: SignUp
  url: https://natural.com/signup
- type: Login
  url: https://natural.com/login
- type: GitHubOrganization
  url: https://github.com/naturalpay
- type: OpenAPI
  url: openapi/natural-ai-openapi-original.json
- type: Overlay
  url: overlays/natural-ai-openapi-overlay.yaml
- type: Authentication
  url: authentication/natural-ai-authentication.yml
- type: OAuthScopes
  url: scopes/natural-ai-scopes.yml
- type: Packages
  url: packages/natural-ai-packages.yml
- type: SDKs
  url: packages/natural-ai-packages.yml
- type: CLI
  url: cli/natural-ai-cli.yml
- type: MCPServer
  url: mcp/natural-ai-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/natural-ai-llms.txt
- type: WellKnown
  url: well-known/natural-ai-well-known.yml
- type: ErrorCatalog
  url: errors/natural-ai-error-codes.yml
- type: Conventions
  url: conventions/natural-ai-conventions.yml
- type: Idempotency
  url: conventions/natural-ai-conventions.yml
- type: RateLimits
  url: rate-limits/natural-ai-rate-limits.yml
- type: Lifecycle
  url: lifecycle/natural-ai-lifecycle.yml
- type: Conformance
  url: conformance/natural-ai-conformance.yml
- type: Compliance
  url: https://docs.natural.com/guides/overview/security
- type: DataModel
  url: data-model/natural-ai-data-model.yml
- type: Webhooks
  url: asyncapi/natural-ai-webhooks.yml
- type: DomainSecurity
  url: security/natural-ai-domain-security.yml
- type: AgenticAccess
  url: agentic-access/natural-ai-agentic-access.yml
- type: ChangeLog
  url: changelog/natural-ai-changelog.yml
- type: StatusPage
  url: https://status.natural.com
- type: Deprecation
  url: https://docs.natural.com/changelog
- type: Pricing
  url: https://natural.com/pricing
- type: TermsOfService
  url: https://www.natural.com/nsa
- type: PrivacyPolicy
  url: https://www.natural.com/privacy
- type: Blog
  url: https://www.natural.com/blog
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 1
  pass: local-v1