We make money movement feel effortless
Natural was founded
375 days ago
The company was incorporated on August 12th, 2025, inspired by a 15-page memo Kahlil wrote that summer. It was a bold vision for what the world would become.
Within 72 hours of sharing the memo, Natural raised a $10M seed round from the best investors in technology and financial services.
At the time, Natural was simply words on paper. We had conviction that the shift ahead was inevitable, and were committed to building the company that would shape it.
The original memo
Opportunity
The largest market
payments has ever seen
Over the next decade, agents will execute a majority of global payment volume. We’re building the rails to support it.
There’s no Stripe, Visa, or J.P. Morgan level incumbent yet. We’re competing for the largest future market in payments.
The world is quickly progressing from AI-aided to agent-native and this acceleration will only continue to be the case.
Going after banks, networks, and PSPs is, in aggregate, an assumable market of over $2.5 trillion dollars.
The work you do in the next 12–18 months will set the foundation of the core product and infrastructure.
Our customers are solving some of the world’s hardest technical problems. You’ll work hands-on with them.
Team
Today, the team is 17 people.
All based in San Francisco
Investors
Backed by the best investors and operators in fintech
"At Forerunner, we've spent years thinking about how the rules of financial participation get rewritten. Agents now hold that right. You won’t find a better, more responsive team to work with than Natural."
"For the power of agents to be fully realized they need to be able to access payments infra. Natural makes that happen."
"They're delivering real value to the agent economy fast and they're just getting started."
"Natural is an elegant solution to one of the most obvious problems with agents: they can't pay for things."
"As AI moves from demos to production, agents need money that moves at the speed of compute... Natural has rebuilt the full stack to enable intelligent systems to work in production."
"Agentic payments will dwarf human-initiated payments within a decade. Natural is pioneering this frontier."
"Natural has the team, the vision and the execution to harness the massive opportunity in agentic payments."
"Regulation will evolve, but the shift toward agentic payments is inevitable and Natural is the clear leader."
"After knowing the team for more than five years we had no doubt on their level of ambition. We are excited to work closely with them to build the payments stack for agents."
"I invested in Natural because I believe agents will require a radical rethink of the infrastructure services of the internet."
"The future of payments will be agent to agent and Natural will enable it. My biggest regret is not taking a call and missing the seed."
"Software started as tools for humans. Now it’s becoming autonomous. Natural builds the systems that allow agents to transact reliably."
"Natural is in a position to dominate the impending race to build the infrastructure for agentic payments. We are excited to back them from day zero and will continue to triple down at every opportunity we have."
"We’ve deployed hundreds of agents for our customers, many of which handle payments. Natural has the ability to make this extremely seamless."
"Behind every mission-critical agent is mission-critical infrastructure. Natural is building the most reliable way for agents to transact."
"If you’re building agents that need to transact in the real world, Natural is the infrastructure you use."
"We're pleased to have supported Kahlil and Natural from the start as they make that payments infrastructure reliable and beautifully designed to use."
"When you meet the team at Natural, it’s obvious they’re the right people to build the economic layer for agents."
"Software and money are merging, and agents are redefining everything we know about software."
"As a banker and an investor, I've rarely seen a team this well-positioned to own a category this inevitable."
"AI financial services will be a $1 trillion revenue market in ten years. We expect Natural to support a significant portion of that economy."
"Natural is building the infrastructure to make autonomous payments safe, seamless, and ready for real-world use."
"The internet is shifting from humans operating software to software operating itself. Natural makes that financially possible."
"We're moving toward a world where agents transact autonomously at global scale. Those agents need identity, governance, and trust. Natural is building all three from the ground up."
Payments made Natural.
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