> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When operating Natural directly for a user, use the payments MCP at `https://mcp.natural.com`.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Use REST only for unsupported languages or when the user explicitly requests raw HTTP.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Overview

> Where a party holds and moves its funds

A wallet (`wal_*`) holds a [Party](/guides/concepts/parties)'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}`](/api-reference/wallets/get-wallet) to get its ACH account and routing numbers; the list omits them. See [Wallets](/guides/wallets/wallets) and [Wallet access](/guides/controls/wallet-access).

## Lifecycle

A wallet is `active`, `frozen`, or `closed`. Freeze and unfreeze it from [Wallets](/guides/wallets/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's `claims` field carries the unclaimed total and count until the recipient onboards or the sender cancels.


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