> ## 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.

# Vault

> Receive expanded FDIC coverage with a special protected wallet for your financial reserves

A Vault is a one-way wallet for agents: they move money in, never out. Keep reserves there, separate from the wallets your agents can spend from, and move money out yourself when you need it.

## Peace of mind with the Vault

* **Expanded FDIC insurance**<sup><a href="#fdic-disclosure" aria-label="See FDIC disclosure">1</a></sup>: All Natural accounts receive expanded FDIC coverage.
* **Stay in control**: Agents are only allowed to deposit into the Vault, but can’t move money out.
* **Instant transfers**: Move money between your Vault and Wallets instantly for free.

Read more: [Vault](/guides/wallets/vault) and [Transfer between wallets](/guides/transfers/transfer-between-wallets).

<p id="fdic-disclosure" style={{ fontSize: "0.8em" }}>
  <sup>1</sup> Natural is a financial technology company, not an FDIC-insured depository
  institution. FDIC deposit insurance covers the failure of an insured depository institution.
  Certain conditions must be satisfied for pass-through FDIC insurance to apply. Deposits are
  FDIC-insured through Column N.A., Member FDIC, and Column's{" "}
  <a href="https://column.com/legal/sweep-program-network-banks">Sweep Program Network Banks</a>.
</p>


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.