wal_*) holds a Party’s funds. Every party gets one wallet automatically once onboarding completes, and money moves in over ACH and out over ACH, RTP, or wire. You can open more than one wallet (keeping payroll apart from operating cash, or giving an agent its own) and set which wallet each agent uses by default. Read a single wallet with GET /wallets/{walletId} to get its ACH account and routing numbers; the list omits them. See Wallets and Wallet access.
Lifecycle
A wallet isactive, frozen, or closed. Freeze and unfreeze it from Wallets; Natural closes wallets.
Payment claims
When you pay a recipient who hasn’t onboarded yet (by email or phone), the payment waits as a claim until they claim it. The sender’s wallet is debited right away, but the recipient can’t withdraw until they fully onboard. The wallet’sclaims field carries the unclaimed total and count until the recipient onboards or the sender cancels.