> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://natural.ferndocs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://natural.ferndocs.com/_mcp/server.

# Compliance

Natural requires identity verification to comply with federal and state financial regulations. All Parties must complete verification before they can send payments. Verification happens automatically after you submit your information through onboarding. The process typically completes within seconds, but may take up to 48 hours.

Beyond initial verification, Natural also complies with BSA/AML regulations (Bank Secrecy Act/Anti-Money Laundering) via automated transaction monitoring.

## Verification types

### KYC (Know Your Customer) — Individuals

Individual parties complete KYC verification by providing:

* Full legal name
* Date of birth
* Social Security Number
* Photo of driver's license or passport
* Residential address
* Email and phone

### KYB (Know Your Business) — Businesses

Business parties complete KYB verification:

* Legal business name
* EIN (Employer Identification Number)
* Business type (LLC, Corporation, etc.)
* Industry (NAICS code)
* State of incorporation
* Date of incorporation
* Registered address
* Physical address
* Business description
* Annual revenue
* Articles of incorporation
* Website

Businesses must disclose all individuals with 10% or more ownership and/or significant control, otherwise known as ultimate beneficial owners (UBOs). For each UBO, similar to KYC, Natural collects:

* Full legal name
* Date of birth
* Social Security Number
* Residential address

## Verification statuses

| Status     | Meaning                                 |
| ---------- | --------------------------------------- |
| `PENDING`  | Verification submitted, under review    |
| `APPROVED` | Identity verified, full platform access |
| `DENIED`   | Verification failed                     |
| `REVIEW`   | Additional information needed           |

## Ongoing compliance

Natural monitors transactions in real-time. In rare cases, we may request additional documentation or temporarily hold a transaction for review.