Agent payments start-up Natural lands $100m Upper90 facility

Natural, a fintech infrastructure company building payments capabilities for artificial intelligence agents, has secured $100 million in credit financing from Upper90 Capital Management. The facility, announced on August 20, 2026, arrives approximately seven weeks after the company closed a $30 million Series A funding round in July 2026, bringing total equity raised to $40 million.

The company provides a vertical technology stack enabling AI agents to hold and transact with real money autonomously. Current offerings include digital wallets for AI agents, along with pay, request, and transfer functionalities. Natural has signaled planned expansions into autonomous billing, card issuance, payment acceptance, and lines of credit for AI agents, scheduled for rollout in Q4 2026.

CEO and founder Kahlil Lalji articulated the strategic rationale for the credit facility in recent statements, noting that payments infrastructure at scale requires capital deployment, not software alone. "Every day, trillions of dollars move globally, and much of that movement relies on capital being extended before cash ultimately settles," Lalji wrote. "Agents will need access to credit at a rate that far outpaces any human-led payments vertical." The founder emphasized that Upper90 was selected not merely for capital availability but for strategic alignment on the long-term trajectory of autonomous agent commerce and the ability to scale funding requirements from millions to billions of dollars.

Lalji founded Natural in August 2025 following his previous exit, when he sold Ivella, a couples-focused fintech application, to earned wage access provider EarnIn. Natural's founding team includes co-founders Eric Wang and Walt Leung. The Upper90 credit facility structure pairs debt with the company's existing equity capitalization to fund credit and payments operations targeting the emerging AI agent commerce vertical.