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Federal and state regulations require Natural to verify identity, so every Party must be verified before it can send payments. Verification runs automatically once you submit your details during onboarding, usually in seconds, sometimes up to 48 hours. After that, Natural meets BSA/AML rules (Bank Secrecy Act / Anti-Money Laundering) through automated transaction monitoring.

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Verification types

For individuals. Individual parties provide:
  • Full legal name
  • Date of birth
  • Social Security Number or ITIN
  • Residential address
  • Country of citizenship
  • Employment status and job title
  • Annual income
  • Email and phone (both verified during onboarding)

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Identity documents

Most verifications complete from the information above alone. When automated verification needs more, Natural requests supporting documents, typically a government-issued ID (driver’s license or passport) for an individual or UBO, or formation documents such as articles of incorporation for a business. These are uploaded securely through onboarding. All personal and business information is encrypted in transit and at rest, and sensitive data like SSNs is tokenized, never stored in plain text.
  • Parties - Identity types that require verification
  • Wallets - How funds are held and escrowed