Natural

Series A

Make the AI agents pay

Payment infrastructure that gives every AI agent its own FDIC-insured wallet, identity, and API to send, request, and settle money autonomously.

Founded January 2025San Francisco, CA~17 people~$40M raisedFeatured at Series A

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FintechAgentic CommercePaymentsAi AgentsBanking InfrastructureB2b Saas

About

Natural gives AI agents their own FDIC-insured wallet, a verifiable identity tied to a real legal entity, and one API to send, request, and settle money — letting a bot research a vendor, negotiate, and actually pay without a human clicking "confirm." Founded in San Francisco in 2025 by CEO Kahlil Lalji and CTO Eric Wang, who previously built and sold the YC-backed couples-banking startup Ivella, alongside ex-Nextdoor engineering manager Walt Leung, the company owns its full stack — ledgering, multi-bank settlement, agent identity, and dispute mediation for machine transactions — rather than reselling someone else's rails. In July 2026, roughly 193 days after emerging from stealth, Natural raised a $30M Series A led by Forerunner's Kirsten Green at a reported $150M valuation, bringing total funding to about $40M from backers including the founders and CEOs of Mercury, Ramp, Brex, Vercel, and Notion. The 17-person team has 6 of 13 planned products live, with more than $50M in insured balances and 99.99% reported uptime as it builds out access via MCP, CLI, SDK, and API.

DailyDropout Take

Every AI agent that can browse, negotiate, and decide still hits a wall the moment money needs to move — Natural is betting the agent economy needs its own bank account, not another wrapper around Stripe. Lalji and Wang have already built and sold a banking product together, and a backer list stacked with the operators who built Mercury, Ramp, Brex, and Vercel reads like a vote of confidence from people who know payments plumbing firsthand. The risk is that owning the whole stack — ledgering, settlement, identity — is also the hard part: Stripe and Mastercard are racing toward the same agentic rails, and who is liable when an agent misfires is still legally unsettled.

Discovery signal: Raised a $30M Series A at a reported $150M valuation roughly 193 days after emerging from stealth, backed by the operators who built Mercury, Ramp, Brex, Vercel, and Notion.

What Makes Them Unique

Owns its full stack — ledgering, multi-bank settlement, agent identity, and dispute mediation built for machine transactions — rather than reselling someone else's payment rails, with FDIC-insured wallets via partner bank Column N.A.

6 of 13

Products Live

$50M+

Insured Balances

99.99% (company-reported)

Uptime

~193

Days Since Stealth Exit

Target Markets

Developers Building AI AgentsFintech InfrastructureAgentic Commerce

Founders

Kahlil Lalji

Co-Founder & CEO

Co-founded and sold the YC-backed couples-banking startup Ivella (acqui-hired into EarnIn) before starting Natural to build payment rails for AI agents.

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