Technically, any human being has nails, so the simple answer is just a human.
If you mean it in a more playful or riddle-like way, some might say “a person” or “a nail-bearer”, but there isn’t a special term—nails are just a normal part of human anatomy.
If you’re asking in a biological sense, humans and primates are digitigrade animals with keratinous nails instead of claws.
Do you want me to explain why humans have nails instead of claws like other animals?
