generated: '2026-07-20'
method: searched
status: published
source: https://docs.natural.com/guides/platform/mcp
server:
  name: natural
  transport: http
  url: https://mcp.natural.com
  legacy_endpoint: https://mcp.natural.com/mcp
  auth:
    default: oauth
    oauth: browser OAuth 2.1 + PKCE (no API key header); user-scoped or agent-scoped consent
    fallback: Bearer API key (sk_ntl_) or agent key (ak_ntl_)
    scopes:
    - payments:move
    - external-accounts:link
    - agents:operate
    - customers:invite
  hosts_supported:
  - Claude
  - Claude Code
  - ChatGPT
  - Codex
  - Cursor
  notes: Natural runs a hosted MCP server exposing 24 intent-shaped tools. Each tool handles orchestration
    (wallet selection, payer-type detection). Money-moving tools require instanceId per run for agent
    attribution.
tools:
- name: get_transaction_status
  description: Look up a single payment or transfer by id (pay_* or trf_*)
- name: wait_for_transaction
  description: Block until a payment/transfer reaches a terminal status (event-driven, max 60s)
- name: get_payment_request
  description: Look up a payment request by id (prq_*)
- name: list_transactions
  description: Paginated transaction history
- name: get_account_balance
  description: Wallet balance (available plus pending claims)
- name: list_wallets
  description: Wallet IDs, names, status, default flags, and balances
- name: get_identity
  description: Caller party, acting agent, handles, and credential permissions
- name: get_party_limits
  description: Per-transaction, daily, and monthly spend limits (read-only)
- name: list_external_accounts
  description: Linked external accounts and provider connection status
- name: get_external_account
  description: One linked external account by id (eac_*)
- name: create_external_account_from_processor_token
  description: Link or refresh external accounts from a Plaid processor token
- name: create_payment
  description: Send a payment to email / phone / @handle / pty_* / agt_*
- name: cancel_payment
  description: Cancel a pending-claim outbound payment by id before it is claimed
- name: request_payment
  description: Request a payment from email / phone / @handle / pty_* / agt_*
- name: fulfill_payment_request
  description: Pay a request after confirming its current amount and currency
- name: decline_payment_request
  description: Decline an incoming request (prq_*) without paying it
- name: deposit_funds
  description: ACH pull from a linked account; falls back to push-to-wallet instructions
- name: withdraw_funds
  description: ACH push to a linked account; auto-selects when exactly one is active
- name: transfer_between_wallets
  description: Move funds between two of your own wallets (wal_* to wal_*); returns trf_*
- name: list_agents
  description: Your agents
- name: list_customers
  description: Your customer relationships (active, pending, revoked, or all)
- name: create_agent
  description: Mint a new programmatic actor (your own party only)
- name: invite_customer
  description: Send a customer invitation by email
- name: get_funding_options
  description: Linked bank accounts + ACH push-to-wallet instructions in one view
deployment:
  mode: remote
  endpoint: https://mcp.natural.com
  verified: probed
  probe: gated
  checked: '2026-08-12'
  source: catalog MCP census