# Natural API

> Natural is an API platform for agentic payments — enabling AI agents to send, receive, and manage money autonomously on behalf of businesses and individuals.

Natural provides REST APIs and SDKs (Python, TypeScript) for building autonomous payment agents. Agents authenticate with API keys, act on behalf of customers via delegations, and execute payments through USDB-backed wallets.

## Getting Started

- [Parties](https://docs.natural.co/guides/concepts/parties): Core identity unit — individuals or businesses that own wallets, create agents, and transact
- [Users](https://docs.natural.co/guides/concepts/users): User accounts and authentication within a party
- [Agents](https://docs.natural.co/guides/concepts/agents): Autonomous entities that execute payments on behalf of parties
- [Wallets](https://docs.natural.co/guides/concepts/wallets): Balance management, deposits, and withdrawals for parties
- [Payments](https://docs.natural.co/guides/concepts/payments): Send and receive money via direct transfers or payment claims

## Guides

- [Create a Payment — Overview](https://docs.natural.co/guides/create-payment/overview): End-to-end guide to sending your first payment
- [Create an Account](https://docs.natural.co/guides/create-payment/create-account): Sign up and complete identity verification (KYB/KYC)
- [Create an Agent](https://docs.natural.co/guides/create-payment/create-agent): Set up an agent to execute transactions
- [Onboard a Customer](https://docs.natural.co/guides/create-payment/onboard-customer): Add customers and receive delegation authority
- [Send Payment](https://docs.natural.co/guides/create-payment/send-payment): Execute your first payment via API or SDK
- [Monitor Payment Status](https://docs.natural.co/guides/create-payment/monitor-payment): Track payment lifecycle and completion
- [Webhook Integration](https://docs.natural.co/guides/webhooks-integration): Production-ready webhook implementation with HMAC verification

## API Reference

- [About the API](https://docs.natural.co/api-reference/about): JSON:API request/response structure, relationships, and pagination
- [OpenAPI Spec](https://docs.natural.co/api-reference/openapi.json): Full OpenAPI 3.1.0 specification
- [Error Handling](https://docs.natural.co/api-reference/errors/error-handling): Standard error format and recovery patterns

## Integrations

- Python SDK: `pip install naturalpay` — build payment agents in Python
- TypeScript SDK: `npm install @naturalpay/sdk` — build payment agents in TypeScript
- [Dashboard](https://docs.natural.co/guides/platform/dashboard): Web UI for onboarding, managing agents, and monitoring payments
- [REST API](https://docs.natural.co/guides/platform/apis): Direct HTTP access with Bearer token authentication

## Examples

- [Python — Create a Payment](https://docs.natural.co/guides/platform/sdks#quick-start): Create a payment using the Python SDK with agent and customer context
- [TypeScript — Create a Payment](https://docs.natural.co/guides/platform/sdks#quick-start): Create a payment using the TypeScript SDK with agent and customer context

## Products

- [Wallet](https://docs.natural.co/guides/products/wallet): FDIC-insured accounts that agents can use to hold, receive, and send funds
- [Pay](https://docs.natural.co/guides/products/pay): Enables agents to pay in a single simple tool call
- [Collect](https://docs.natural.co/guides/products/collect): Collect funds from customers, vendors, and agents (coming soon)
- [Credit](https://docs.natural.co/guides/products/credit): Give agents access to credit for autonomous spending (coming soon)
- [Bill](https://docs.natural.co/guides/products/bill): Bill customers based on outcomes, success, tokens, or other criteria (coming soon)
- [Transfer](https://docs.natural.co/guides/products/transfer): Agentic transfers between Natural and external accounts (coming soon)

## Technical Reference

- [IDs](https://docs.natural.co/api-reference/IDs): Prefixed identifiers (pty_, agt_, pay_) for type safety and readability
- [Idempotency](https://docs.natural.co/api-reference/idempotency): Retry safety for payment operations using idempotency keys
- [Compliance](https://docs.natural.co/guides/overview/compliance): KYB/KYC regulatory compliance and identity verification

## Optional

- [Changelog](https://docs.natural.co/changelog/index): Latest updates and improvements to the Natural API
- [Agent Errors](https://docs.natural.co/api-reference/errors/agents): Error codes for Agent API endpoints
- [Counterparty Errors](https://docs.natural.co/api-reference/errors/counterparties): Error codes for Counterparty API endpoints
- [Payment Errors](https://docs.natural.co/api-reference/errors/payments): Error codes for Payment API endpoints
- [Delegation Errors](https://docs.natural.co/api-reference/errors/delegations): Error codes for Delegation API endpoints
- [Party Errors](https://docs.natural.co/api-reference/errors/parties): Error codes for Party API endpoints
- [Wallet Errors](https://docs.natural.co/api-reference/errors/wallets): Error codes for Wallet API endpoints
- [API Key Errors](https://docs.natural.co/api-reference/errors/api-keys): Error codes for API Key API endpoints