AI BriefingNatural Direct brings general availability for agent-driven payment rail selection
·2026.10.29 09:00
Key point
The feature allows agents to programmatically select payment methods from a single wallet based on real-time counterparty requirements.
Details
- Natural Direct is now generally available, enabling agents to programmatically select between ACH, Wire, and Realtime (RTP and FedNow) payment rails at runtime.
- Agents can originate these payments from the same Natural wallet used for instant payments, card issuance, and checkout, with existing controls and limits applying.
- ACH is positioned for low-cost, non-urgent batch payments that settle next-day but carry a risk of reversal; Realtime (RTP/FedNow) offers instant, 24/7, irreversible settlement for lower-value transactions.
- Wire is recommended for large-value or wire-only payees, while paper checks are coming soon to handle payments where only a name and mailing address are available.
- Upcoming integrations include international wire via SWIFT, 1:1 USD-backed stablecoins, and local payments outside the US such as SEPA and Bacs.
- Direct is accessible via API, MCP, CLI, or SDK, allowing agents to handle diverse counterparty scenarios without pre-configuration.
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