Natural
Category: AI Infrastructure
Agentic payments platform building financial infrastructure for AI agents to autonomously move, store, and transact money. Natural was founded in 2025. The company is led by Kahlil Lalji. Based in San Francisco, California, United States. Team size: 11-50. Total funding raised: $40M. Latest round: Series A. Key investors include Forerunner Ventures (Kirsten Green), Human Capital, Abstract Ventures, Terrain, Restive Ventures, Genius Ventures, Wischoff Ventures, Antifund, Bridge (Zach Abrams), Mercury (Immad Akhund), Brex (Art Levy), Privy (Henri Stern & Max Segall).
- Founded
- 2025
- Headquarters
- San Francisco, California, United States
- Team size
- 11-50
- Total funding
- $40M
Value proposition
Natural provides the foundational payments stack for AI agents — wallets, payments, cards, billing, and identity — enabling autonomous agents to hold funds, make payments, collect money, and transact with humans and other agents without human intervention.
Products and solutions
Wallets (FDIC-insured agent wallets), Vaults (one-way accounts), Pay (send money), Request (collect money), Transfer (move funds), Connect (build platforms), Voice (PCI-compliant phone payments), Accept (agent-as-merchant), Cards (debit/charge cards for agents), Charge (per-API-call billing), Credit (lines of credit for agents), Direct (runtime payment rail selection)
Unique value
Agent-native payment infrastructure rebuilt from the ground up — not retrofitted human rails. Full-stack ownership (ledgering, money movement, multi-bank settlement, multi-currency, fraud & compliance, agent identity & observability) with MCP, CLI, SDK, and API integrations. FDIC-insured deposits via Column N.A.
Target customer
Companies building AI agent systems across logistics, property management, procurement, healthcare, construction, marketing automation, and any vertical where agents need to autonomously execute financial transactions.
Industries served
Logistics & freight, Multi-family property management, Healthcare back-office, Procurement, Construction, Marketing automation
Technology advantage
Full-stack ownership of payment primitives (ledgering, money movement, multi-bank settlement, multi-currency, fraud & compliance, agent identity & observability); MCP-native integration (Claude Code, Codex); built for agent-speed transactions vs human-speed; FDIC-insured up to $50M+; 99.99% uptime SLA
How they differentiate
Natural is building a full-stack, agent-native payment infrastructure from scratch rather than retrofitting human-centric rails. Unlike Stripe (human-first), Natural's APIs are designed exclusively for agents with MCP-native integration. Unlike Skyfire (stablecoin-only), Natural supports both traditional bank payments and stablecoins. Natural owns the full stack — ledgering, settlement, compliance, identity, observability — rather than layering on top of existing rails.
Main competitors
Stripe (main competitor, racing to build AI agent payment rails), Skyfire Systems (DCVC-backed, USD-backed stablecoin approach), Nevermined (agent-native payment infrastructure)
Key partnerships
Column N.A. (banking services, FDIC pass-through insurance), Y Combinator (backed via seed), Forerunner Ventures (Series A lead), Human Capital, Abstract Ventures
Major milestones
Founded August 2025, Raised $9.8M seed in October 2025 (co-led by Abstract and Human Capital), Launched from stealth October 2025, Reached 17 employees within first year, Raised $30M Series A in July 2026 (led by Forerunner's Kirsten Green) at ~$150M post-money valuation, Launched 6 products at GA (Wallets, Vaults, Pay, Request, Transfer, Connect) with 7 more in pipeline
Market positioning
First-mover in the agentic payments category; positioning as the "Stripe for AI agents" with ambitions to become the financial backbone of the agent economy; targeting a $2.5T+ addressable market
Geographic focus
United States (San Francisco-based); global ambitions via multi-currency and multi-bank settlement infrastructure
About Kahlil Lalji
Co-founder & CEO of Ivella (YC-backed fintech, sold to EarnIn in 2024); Engineer at EarnIn; Y Combinator (S21 batch)
Latest news about Natural
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Official website: https://www.natural.com