Gap note
Natural Direct gaps
Natural Direct gap note, checked 2026-11-04. It quotes primary pages on settlement, spend controls, revocation, composition, license, governance, cross-company use, and refunds. A not documented line uses the read date. The note does not rank the listing. Omitted means that dimension was not checked for this note.
Last verified 2026-11-04
Sources
Natural Direct listing · Protocol compatibility · Gaps JSON · See what changed this week
| Dimension | Status |
|---|---|
| Settlement asset | Mixed |
| Spend controls | Documented |
| Revocation | Mixed |
| Protocol composition | Mixed |
| License | Not documented |
| Governance body | Mixed |
| Cross-company use | Mixed |
| Refunds and disputes | Mixed |
Settlement asset
Documented
The product page says an agent pays any person or business with a US bank account by ACH, domestic wire, or realtime payment (RTP and FedNow) from the same Natural wallet. It says Direct supports US dollars to US bank accounts only.
Natural Direct · Read 2026-11-04
The product page states fees: ACH is 0.5% with a $0.50 minimum and a $1.50 cap, wires are 0.25% with a $15 minimum and a $50 cap, and realtime payments are 1.5% with a $1 minimum.
Natural Direct · Read 2026-11-04
The product page lists international wires (SWIFT) and checks as coming soon, and stablecoin payouts plus local rails such as SEPA and Bacs as on the roadmap.
Natural Direct · Read 2026-11-04
The 29 October 2026 release says Natural is a financial technology company, not a bank, and that Wallet Account and banking services are provided by Column N.A., Member FDIC.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. A fee for checks, international wires, stablecoins, SEPA, or Bacs. The product page states fees for ACH, domestic wires, and realtime, and lists the other rails as coming soon or on the roadmap.
Natural Direct · Read 2026-11-04
Spend controls
Documented
The product page says the same limits and controls already set in Natural apply to Direct. Each payment is tied to the agent that made it, and Direct payments come out of that agent's wallet balance, which cannot be exceeded.
Natural Direct · Read 2026-11-04
The MCP guide says get_party_limits returns per-transaction, daily, and monthly spend limits, and that create_agent accepts optional spend limits.
Natural MCP guide · Read 2026-11-04
The product page says Natural stores a payee bank account encrypted, shows only the last four digits, screens every new payee, and checks that the account can receive the chosen rail before sending.
Natural Direct · Read 2026-11-04
The MCP guide says that in manual approval mode the host shows the amount, currency, and destination before the payment runs. The product page says a payment can be canceled while it is queued or waiting for approval.
Natural MCP guide · Read 2026-11-04
The 29 October 2026 release says Direct runs on the same wallet, with per-agent keys and limits.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
Revocation
Documented
The product page says the agent or the user can cancel a payment while it is queued or waiting for approval, and that a payment cannot be canceled once it has been submitted.
Natural Direct · Read 2026-11-04
The MCP guide says cancel_direct_payment cancels an ACH, wire, or realtime payment before it is sent to the bank.
Natural MCP guide · Read 2026-11-04
The product page says ACH can be returned by the recipient's bank, and that realtime payments and wires are final when they settle and cannot be recalled.
Natural Direct · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. How to revoke an agent key. The MCP guide describes agent keys and canceling a Direct payment before it is sent to the bank. It does not describe revoking an agent key.
Natural MCP guide · Read 2026-11-04
Protocol composition
Documented
The product page says a verified business with a funded wallet can use Direct through the Natural API, SDKs, CLI, or the payments MCP.
Natural Direct · Read 2026-11-04
The MCP guide says the payments server is https://mcp.natural.com and lists create_ach_payment, create_wire_payment, and create_realtime_payment. It says Direct must be enabled on the account.
Natural MCP guide · Read 2026-11-04
The changelog, dated 21 October 2026, says Direct works from the API and MCP, with ACH, domestic wire, and realtime powered by RTP and FedNow.
Direct changelog, 21 October 2026 · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. x402, AP2, MPP, or A2A. The product page and the MCP guide describe ACH, wire, realtime, the API, SDKs, CLI, and MCP. They do not name those protocols.
Natural Direct · Read 2026-11-04
License
Not documented
Not documented as of 2026-11-04. A software license. The product page does not name one. The listing has no public repository.
Natural Direct · Read 2026-11-04
Governance body
Documented
The 29 October 2026 release says Direct is generally available. The release is from Natural AI, Inc.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
The product page says any verified business on Natural with a funded wallet can use Direct.
Natural Direct · Read 2026-11-04
The 29 October 2026 release says Direct is available today to all Natural customers with a funded wallet.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
The MCP guide says Direct must be enabled for the account. If the host connected before Direct was available, the guide says to disconnect and reconnect to get the Direct tools.
Natural MCP guide · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. A standards body for Direct. The 29 October 2026 release is published by Natural AI, Inc.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
Cross-company use
Documented
The product page says an agent can pay anyone in the US with a bank account, whether or not that recipient is on Natural.
Natural Direct · Read 2026-11-04
The 29 October 2026 release says Wallet Account and banking services are provided by Column N.A., Member FDIC.
Natural Launches Direct, Bringing ACH, Wire, and Realtime Payments to AI Agents · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. A named company, other than Natural and Column N.A., that has shipped Direct. The product page describes paying US bank accounts.
Natural Direct · Read 2026-11-04
Refunds and disputes
Who handles a refund when an agent pays
Documented
The product page says ACH can be returned by the recipient's bank. Realtime payments and wires cannot be recalled once they settle. If a bank rejects a realtime payment or wire, or an ACH is returned, the funds go back to the Natural wallet and the reason is indicated.
Natural Direct · Read 2026-11-04
Not documented
Not documented as of 2026-11-04. A dispute process. The product page describes ACH returns, final realtime payments and wires, and funds returning to the wallet. It does not describe a dispute process.
Natural Direct · Read 2026-11-04
Questions
- What does not documented mean?
- Not documented means the cited page does not state the fact. The line names that page and the day it was read. It is not a claim that the fact is false.
- What does omitted mean?
- Omitted means this note has no checked source for that dimension. The dimension was left out rather than filled in.
- Does the index rank these products?
- No. The table can be sorted by name, by dimension status, or by checked date. Sort order is not a score.
- Where is the machine readable file?
- GET /data/gaps.json. The file includes every note, the cited sources, and the read dates.