Direct transfer
Send a payment by naming the recipient with their email, phone number, handle, or party or agent ID. If that party is already on Natural, the money moves straight from the sender’s wallet to theirs. If not, Natural sends a payment claim instead.Payment claims
When the recipient isn’t on Natural yet, Natural emails or texts them a claim link. They onboard, then claim the funds. Before they can withdraw, they must pass KYB/KYC under our compliance program. A claim link stays valid until the recipient redeems it or the sender cancels the payment.Canceling a payment
A payment that’s still waiting to be claimed can be canceled. Until the recipient starts claiming, canceling voids the claim link and the money stays in your wallet, the real-world equivalent of voiding a check nobody has cashed yet. It’s also how you handle a stale claim: cancel the payment and reissue it. The window closes the moment the recipient begins claiming; after that, the funds are theirs to collect. A direct transfer can’t be canceled at all: the money lands in the recipient’s wallet the moment you send it, so there’s nothing in flight to take back.Best practices
Clear Recipient and Amount
Clear Recipient and Amount
Always give a full recipient identifier (email, phone number, handle, or party or agent ID) so Natural can route the payment. Specify amounts as integer cents (e.g.
12345 for $123.45). All transactions are in U.S. Dollars for now.Include Descriptive Messages
Include Descriptive Messages
Write clear descriptions so recipients know who paid them and why. Include the invoice number and
what it covers (e.g., “Invoice #12345 - Raw materials for Q1 2026”). These show up in the email
and SMS copies and in the product, and good detail also helps Natural flag anomalous transactions.
Follow up on unredeemed claims
Follow up on unredeemed claims
If a recipient hasn’t redeemed a claim, follow up with them or work with your customer on whether to reissue the payment with a fresh claim link.