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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/decline-payment-request</loc>
    <lastmod>2026-08-04T05:27:18.456Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/disconnect-customer</loc>
    <lastmod>2026-09-02T22:04:25.120Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/api-reference/simulations/fail-realtime-payment</loc>
    <lastmod>2026-09-04T21:25:27.471Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/api-reference/simulations/fail-wire</loc>
    <lastmod>2026-09-13T23:18:31.597Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/api-reference/simulations/fulfill-payment-request</loc>
    <lastmod>2026-08-04T05:27:18.416Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/fund-test-customer</loc>
    <lastmod>2026-08-04T05:27:18.455Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/link-test-bank-account</loc>
    <lastmod>2026-08-04T05:27:18.453Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/revoke-agent-connection</loc>
    <lastmod>2026-08-04T05:27:18.455Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/settle-realtime-payment</loc>
    <lastmod>2026-09-04T21:25:27.473Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/settle-wire</loc>
    <lastmod>2026-09-13T23:18:31.586Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/simulations/simulate-voice-call</loc>
    <lastmod>2026-09-15T18:08:16.683Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transactions/get-transaction</loc>
    <lastmod>2026-09-15T17:49:46.473Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transactions/list-transactions</loc>
    <lastmod>2026-09-15T17:49:46.464Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transfers/get-transfer</loc>
    <lastmod>2026-09-15T17:49:46.525Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transfers/initiate-deposit</loc>
    <lastmod>2026-09-15T17:49:46.483Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transfers/initiate-internal-transfer</loc>
    <lastmod>2026-09-15T17:49:46.504Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transfers/initiate-withdrawal</loc>
    <lastmod>2026-09-15T17:49:46.494Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/transfers/list-transfers</loc>
    <lastmod>2026-09-15T17:49:46.515Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/voice/create-voice-session</loc>
    <lastmod>2026-09-15T18:08:16.637Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/voice/get-voice-session</loc>
    <lastmod>2026-09-15T18:08:16.656Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/voice/get-voice-session-transcript</loc>
    <lastmod>2026-09-15T18:08:16.666Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/voice/list-voice-sessions</loc>
    <lastmod>2026-09-15T18:08:16.646Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/create-wallet</loc>
    <lastmod>2026-09-15T17:49:46.926Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/detach-agent-from-wallet</loc>
    <lastmod>2026-09-15T17:49:47.033Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/freeze-wallet</loc>
    <lastmod>2026-09-15T17:49:46.979Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/get-wallet</loc>
    <lastmod>2026-09-15T17:49:46.948Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/grant-agent-access-to-wallet</loc>
    <lastmod>2026-09-15T17:49:47.002Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/list-wallet-agents</loc>
    <lastmod>2026-09-15T17:49:47.013Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/list-wallets</loc>
    <lastmod>2026-09-15T17:49:46.936Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/set-agent-default-wallet</loc>
    <lastmod>2026-09-15T17:49:47.024Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/set-default-wallet</loc>
    <lastmod>2026-09-15T17:49:46.969Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/unfreeze-wallet</loc>
    <lastmod>2026-09-15T17:49:46.992Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wallets/update-wallet</loc>
    <lastmod>2026-09-15T17:49:46.959Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/create-webhook</loc>
    <lastmod>2026-09-15T17:49:47.170Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/delete-webhook</loc>
    <lastmod>2026-09-15T17:49:47.221Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/get-webhook</loc>
    <lastmod>2026-09-15T17:49:47.202Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/list-webhooks</loc>
    <lastmod>2026-09-15T17:49:47.191Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/rotate-webhook-signing-secret</loc>
    <lastmod>2026-09-15T17:49:47.181Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/webhooks/update-webhook</loc>
    <lastmod>2026-09-15T17:49:47.212Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/api-reference/wire/cancel-wire-payment</loc>
    <lastmod>2026-09-15T17:49:46.453Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/api-reference/wire/create-wire-payment</loc>
    <lastmod>2026-09-15T17:49:46.424Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wire/get-wire-payment</loc>
    <lastmod>2026-09-15T17:49:46.443Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/api-reference/wire/list-wire-payments</loc>
    <lastmod>2026-09-15T17:49:46.433Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/changelog</loc>
    <lastmod>2026-09-15T18:08:24.887Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/changelog/mcp-client-support</loc>
    <lastmod>2026-08-24T22:23:59.690Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/changelog/resource-tags</loc>
    <lastmod>2026-08-24T22:23:59.688Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/changelog/sandbox-beta</loc>
    <lastmod>2026-08-24T22:23:59.689Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/changelog/webhook-replay</loc>
    <lastmod>2026-09-13T23:18:31.589Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/accept/pay-by-link</loc>
    <lastmod>2026-09-13T23:18:31.581Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/accept/refund-a-card-payment</loc>
    <lastmod>2026-09-13T23:18:31.582Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/agents/create-agent</loc>
    <lastmod>2026-09-13T23:18:31.587Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/agents/handles</loc>
    <lastmod>2026-09-13T23:18:31.588Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/agents/manage-agents</loc>
    <lastmod>2026-09-13T23:18:31.579Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/ach</loc>
    <lastmod>2026-09-15T04:24:48.773Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/agent-keys</loc>
    <lastmod>2026-09-13T23:18:31.590Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/agents</loc>
    <lastmod>2026-09-13T23:18:31.575Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/api-keys</loc>
    <lastmod>2026-09-13T23:18:31.592Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/approvals</loc>
    <lastmod>2026-09-13T23:18:31.580Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/customers</loc>
    <lastmod>2026-09-13T23:18:31.583Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/events</loc>
    <lastmod>2026-09-13T23:18:31.576Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/external-accounts</loc>
    <lastmod>2026-09-13T23:18:31.581Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/external-parties</loc>
    <lastmod>2026-09-13T23:18:31.580Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/external-party-accounts</loc>
    <lastmod>2026-09-13T23:18:31.545Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/limits</loc>
    <lastmod>2026-09-13T23:18:31.576Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/parties</loc>
    <lastmod>2026-09-15T03:20:22.869Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/party-invitations</loc>
    <lastmod>2026-09-13T23:18:31.591Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/concepts/payment-intents</loc>
    <lastmod>2026-09-13T23:18:31.591Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/payment-requests</loc>
    <lastmod>2026-09-13T23:18:31.593Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/payments</loc>
    <lastmod>2026-09-13T23:18:31.577Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/realtime</loc>
    <lastmod>2026-09-15T04:24:48.773Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/refunds</loc>
    <lastmod>2026-09-13T23:18:31.545Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/transactions</loc>
    <lastmod>2026-09-13T23:18:31.544Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/transfers</loc>
    <lastmod>2026-09-13T23:18:31.593Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/voice-sessions</loc>
    <lastmod>2026-09-13T23:18:28.906Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/wallet-access</loc>
    <lastmod>2026-09-13T23:18:28.906Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/wallets</loc>
    <lastmod>2026-09-13T23:18:28.905Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/webhooks</loc>
    <lastmod>2026-09-13T23:18:28.917Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/concepts/wire</loc>
    <lastmod>2026-09-15T04:24:48.771Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/connect/invite-customer</loc>
    <lastmod>2026-09-13T23:18:28.903Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/connect/manage-access</loc>
    <lastmod>2026-09-13T23:18:28.903Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/connect/move-money-for-customer</loc>
    <lastmod>2026-09-13T23:18:28.902Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/controls/approvals</loc>
    <lastmod>2026-09-13T23:18:28.901Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/controls/limits</loc>
    <lastmod>2026-09-13T23:18:28.901Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/controls/wallet-access</loc>
    <lastmod>2026-09-13T23:18:28.900Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/accept-payments</loc>
    <lastmod>2026-09-13T23:18:28.900Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/accept-voice</loc>
    <lastmod>2026-09-13T23:18:28.899Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/build-platform</loc>
    <lastmod>2026-09-13T23:18:28.899Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/collect-money</loc>
    <lastmod>2026-09-13T23:18:28.898Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/issue-cards</loc>
    <lastmod>2026-09-13T23:18:28.898Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/platform-agentic-commerce</loc>
    <lastmod>2026-09-13T23:18:28.897Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/platform-ap-ar</loc>
    <lastmod>2026-09-13T23:18:28.897Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/platform-embedded-finance</loc>
    <lastmod>2026-09-13T23:18:28.896Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/platform-treasury</loc>
    <lastmod>2026-09-13T23:18:28.896Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/send-money</loc>
    <lastmod>2026-09-13T23:18:28.895Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/flows/wallets-and-balances</loc>
    <lastmod>2026-09-13T23:18:28.895Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/overview/compliance</loc>
    <lastmod>2026-09-13T23:18:28.894Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/overview/security</loc>
    <lastmod>2026-09-13T23:18:28.894Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/overview/start-here</loc>
    <lastmod>2026-09-13T23:18:28.893Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/payments/fulfill-or-decline-request</loc>
    <lastmod>2026-09-13T23:18:28.892Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/payments/request-payment</loc>
    <lastmod>2026-09-13T23:18:28.892Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/payments/send-payment</loc>
    <lastmod>2026-09-13T23:18:28.891Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/payments/track-payment</loc>
    <lastmod>2026-09-13T23:18:28.891Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/platform/cli</loc>
    <lastmod>2026-09-13T23:18:28.890Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/platform/dashboard</loc>
    <lastmod>2026-09-13T23:18:28.890Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/platform/mcp</loc>
    <lastmod>2026-09-13T23:18:28.914Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/platform/reliability</loc>
    <lastmod>2026-09-13T23:18:28.888Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/platform/sdks</loc>
    <lastmod>2026-09-13T23:18:28.888Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/accept</loc>
    <lastmod>2026-09-13T23:18:28.887Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/products/cards</loc>
    <lastmod>2026-09-13T23:18:28.887Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/connect</loc>
    <lastmod>2026-09-13T23:18:28.910Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/products/pay</loc>
    <lastmod>2026-09-13T23:18:28.920Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/request</loc>
    <lastmod>2026-09-13T23:18:28.920Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/transfer</loc>
    <lastmod>2026-09-13T23:18:28.913Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/vault</loc>
    <lastmod>2026-09-13T23:18:28.908Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/voice</loc>
    <lastmod>2026-09-13T23:18:28.910Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/products/wallet</loc>
    <lastmod>2026-09-13T23:18:28.919Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/transfers/deposit-and-withdraw</loc>
    <lastmod>2026-09-13T23:18:28.908Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/transfers/transfer-between-wallets</loc>
    <lastmod>2026-09-13T23:18:28.911Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/voice/call-log</loc>
    <lastmod>2026-09-15T17:49:58.842Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/voice/take-a-payment</loc>
    <lastmod>2026-09-13T23:18:28.919Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/voice/test-in-sandbox</loc>
    <lastmod>2026-09-14T20:07:07.899Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/wallets/vault</loc>
    <lastmod>2026-09-13T23:18:28.907Z</lastmod>
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  <url>
    <loc>https://docs.natural.com/guides/wallets/wallets</loc>
    <lastmod>2026-09-13T23:18:28.913Z</lastmod>
  </url>

  <url>
    <loc>https://docs.natural.com/guides/webhooks/receive-events</loc>
    <lastmod>2026-09-15T17:49:58.850Z</lastmod>
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