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Ghouls are undead, magical by nature. They have claws that can cause paralysis. However, this requires a fortitude save and leads me to believe it is not a magical effect.

Can their claws overcome DR X/Magic on other creatures/NPCs/players if they are just a regular old ghoul?

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Some monsters are vulnerable to magic weapons. Any weapon with at least a +1 magical enhancement bonus on attack and damage rolls overcomes the damage reduction of these monsters. Such creatures’ natural weapons (but not their attacks with weapons) are treated as magic weapons for the purpose of overcoming damage reduction.

This is the general rule. Ghoul's statblock does not mention DR/magic and does not explicitly list its attacks as magical (they have a supernatural disease rider, but that's beside the point), so no, its attacks do not overcome DR/magic of other creatures.

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