> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Store funds

> Hold money on Natural and let your agent manage it

<img src="https://mintcdn.com/natural-b3c9dd77/_ZzQDNYgSVsMCM43/assets/heroes/wallets-hero.jpg?fit=max&auto=format&n=_ZzQDNYgSVsMCM43&q=85&s=53ca6f9a2ced1d15ca6f91a86e4fc611" alt="Wallet balances in the Natural dashboard" className="hero-image" noZoom width="1200" height="640" data-path="assets/heroes/wallets-hero.jpg" />

Natural wallets hold your money in FDIC-insured<sup>1</sup> accounts. You have access to Standard
wallets as well as a Vault. Money held in a Vault can't be moved out by an agent.

Your agent can:

* Check balances and watch activity across each wallet you give it access to
* Transfer between your wallets, like topping up a spending wallet from Vault
* Fund payments from the wallet you choose, within transaction or velocity limits you set

<Steps>
  <Step title="Start with your default wallet">
    Your party gets one automatically. It receives payments and funds outgoing ones unless you say
    otherwise.
  </Step>

  <Step title="Link a bank and fund it">
    Connect an external account and fund your wallet.

    Read more: [Deposit and withdraw](/guides/transfers/deposit-and-withdraw).
  </Step>

  <Step title="Organize with more wallets">
    Create standard wallets to separate spend and keep
    reserves in the Vault. Make any wallet the default.

    Read more: [Wallets](/guides/wallets/wallets) and [Vault](/guides/wallets/vault).
  </Step>

  <Step title="Put your agent on it">
    Attach an agent to a wallet and it can check balances, move money between your wallets, and
    fund payments. Agents always respect limits you set.

    Read more: [Manage agent wallet access](/guides/controls/wallet-access) and
    [Set agent limits](/guides/controls/limits).
  </Step>
</Steps>

<p id="fdic-disclosure" style={{ fontSize: "0.8em" }}>
  <sup>1</sup> Natural is a financial technology company, not an FDIC-insured depository
  institution. FDIC deposit insurance covers the failure of an insured depository institution.
  Certain conditions must be satisfied for pass-through FDIC insurance to apply. Deposits in Wallet
  accounts are FDIC-insured through Column N.A., Member FDIC, and Column's{" "}
  <a href="https://column.com/legal/sweep-program-network-banks">Sweep Program Network Banks</a>.
</p>