> ## 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.

# Compliance

> Regulatory compliance and identity verification

Federal and state regulations require Natural to verify identity, so every [Party](/guides/concepts/parties) must be verified before it can send payments. Verification runs automatically when you submit your details. It usually finishes in seconds and can take up to 48 hours.

After that, Natural meets BSA/AML rules (Bank Secrecy Act / Anti-Money Laundering) through automated transaction monitoring.

## Verification types

<Tabs>
  <Tab title="Know Your Customer (KYC)">
    For individuals. Individual parties provide:

    * Full legal name
    * Date of birth
    * Social Security Number or ITIN
    * Residential address
    * Country of citizenship
    * Employment status and job title
    * Annual income
    * Email and phone (both verified during onboarding)
  </Tab>

  <Tab title="Know Your Business (KYB)">
    For businesses. Business parties provide:

    * Legal business name
    * Trade name (DBA), if the business uses one
    * EIN (Employer Identification Number)
    * Business type (LLC, Corporation, etc.)
    * Industry (NAICS code)
    * State and date of incorporation
    * Registered address and physical address
    * Countries of operations
    * Source of funds
    * Website

    Businesses must disclose every individual who owns 25% or more or holds significant control
    (their ultimate beneficial owners, or UBOs). For each UBO, Natural collects the same KYC
    details:

    * Full legal name
    * Date of birth
    * Social Security Number or ITIN
    * Residential address
    * Email and phone
    * Ownership percentage
    * Title (CEO, Owner, etc.)
    * Country of citizenship
    * Employment status and annual income
  </Tab>
</Tabs>

## Identity documents

Most verifications complete from the information above alone. When automated verification needs more, Natural requests supporting documents, typically a government-issued ID (driver's license or passport) for an individual or UBO, or formation documents such as articles of incorporation for a business. These are uploaded securely through onboarding.

All personal and business information is encrypted in transit and at rest, and sensitive data like SSNs is tokenized, never stored in plain text.

## Related

* [Parties](/guides/concepts/parties): Identity types that require verification
* [Wallets](/guides/concepts/wallets): How funds are held and escrowed


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