# Mercury MCP for AI Agents AI Agent Connect

> Mercury MCP for AI Agents. Connect your Mercury banking account to your AI client to manage startup finances, track cash flow, and monitor balances through natural conversation. It gives your agent the ability to see your real-time financial status and history without you having to jump between tabs.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_TBttHxDdlG6cItEXTY6m4MtRK9QjBfxJ0Q13Xbak/ai-agent-connect
- **Tags:** business-banking, financial-automation, transaction-reconciliation, cash-flow-tracking, startup-finance, api-banking

## Description

Managing startup finances usually means jumping between different banking tabs, exporting CSVs, and manually updating spreadsheets just to see how much runway is left. This Mercury MCP changes that by letting you talk directly to your bank data. You can ask your agent about your current balances, pull up recent transactions, or check on specific invoices without ever leaving your workspace. Instead of hunting for a specific statement or trying to remember who you sent a wire to, you just ask. It turns your banking data into a conversational interface. By connecting this through the Vinkius marketplace, you get a reliable way to keep your eyes on the money while you focus on building the company. It's about having the right numbers at your fingertips whenever you need to make a quick decision. You can quickly check your account details or see who owes you money by asking your agent to list your customers or invoices. It takes the friction out of checking your financial health so you can spend more time on your product.

## Tools

### get_account
Get details for a specific Mercury account. Use this to see specific account types and IDs.

### get_balance
Get the current balance for an account. This is the fastest way to check your available funds.

### list_accounts
List all your Mercury bank accounts. Use this to get an overview of your entire banking structure.

### list_cards
List your Mercury debit cards. This helps you keep track of the physical cards tied to your accounts.

### list_customers
List your invoicing customers. Use this to see who owes you money or who you've billed recently.

### list_invoices
List account receivable invoices. This gives you a clear view of all outstanding payments.

### list_recipients
List payment recipients. Use this to quickly find the details of people you've paid before.

### list_transactions
List transactions for a specific account. This allows you to browse history and find specific payments.

## Prompt Examples

**Prompt:** 
```
Show my current balances for all accounts.
```

**Response:** 
```
Balances retrieved: 

| Account Type | Balance |
| :--- | :--- |
| **Total Available** | **$142,500.00** |
| Checking Account (...1234) | $45,200.00 |
| Savings Account (...5678) | $90,000.00 |
| Treasury Account | $7,300.00 |
```

**Prompt:** 
```
List all outgoing transactions over $1,000 from last week.
```

**Response:** 
```
Found **3 outgoing transactions** over $1,000 (Apr 15 - Apr 22):

*   **AWS (Amazon Web Services):** -$2,450.00 (Apr 20)
*   **Stripe Payout Reversal:** -$1,200.00 (Apr 18)
*   **Office Rent (WeWork):** -$4,500.00 (Apr 15)
```

**Prompt:** 
```
Get total revenue received this month.
```

**Response:** 
```
Total incoming transactions (April): **42**

**Total Volume:** $45,890.00

**Top Sources:**
*   Stripe Payouts ($38,400.00)
*   Wire from Acme Corp ($5,000.00)
*   ACH from John Doe ($2,490.00)
```

## Capabilities

### Check account balances
See how much money is in every checking and savings account instantly.

### Browse transaction history
View and filter recent transfers and payments to see where your money is going.

### Pull account statements
Get monthly statements delivered to your chat interface for easy review.

### Track cash flow
Monitor incoming revenue and outgoing expenses to see your real-time burn rate.

### Manage payment recipients
Access your list of saved wire and ACH recipients to verify payment details.

## Use Cases

### Checking Runway
A founder asks, 'What's our total balance across all accounts?' to see if they have enough for next month's payroll.

### Expense Tracking
A finance lead asks for all transactions over $1,000 from last week to identify large vendor payments.

### Customer Billing
A founder asks to list all customers and invoices to see who hasn't paid their latest bill.

### Quick Wire Checks
A developer asks for the details of a specific recipient to ensure a wire transfer is going to the right place.

## Benefits

- Stop switching tabs by accessing your Mercury balances and transaction history directly inside your AI client.
- Monitor your burn rate in real-time by asking your agent to summarize incoming revenue and outgoing expenses.
- Speed up manual reconciliations by using list_transactions to quickly find specific payments or wire transfers.
- Keep your payment data organized by pulling saved wire and recipients using list_recipients.
- Get a bird's-eye view of your accounts and cards with list_accounts and list_cards to stay organized.
- Track your accounts receivable more effectively by using list_invoices to see what's still pending.

## How It Works

The bottom line is you get a direct line of communication between your bank and your AI agent.

1. Get your Mercury API Token from your account settings.
2. Paste the token into the Vinkius configuration for this Connector.
3. Ask your AI client to check your balances or list recent transactions.

## Frequently Asked Questions

**Can I use the Mercury MCP to see my business bank balances?**
Yes, it lets your agent see all balances across checking and savings accounts instantly so you can get a quick pulse on your cash.

**How does the Mercury MCP help with startup cash flow?**
It tracks your revenue and expenses automatically so you can see your burn rate and total volume without manual spreadsheet updates.

**Can the Mercury MCP list my recent transactions?**
Yes, it can pull and filter your transaction history for specific dates or amounts to help you find specific payments quickly.

**Does the Mercury MCP show my outstanding invoices?**
It can list your account receivable invoices so you know exactly who still owes you money at any given moment.

**Is the Mercury MCP safe for my banking data?**
It uses your Mercury API token to securely connect your account to your AI client, ensuring your data stays private.

**Can I see my saved wire recipients with the Mercury MCP?**
Yes, it lets you pull a list of saved recipients to verify payment details before you send out any wires.

**Can I view balances and recent transactions?**
Yes. You can query balances for all accounts and list recent incoming/outgoing transactions.

**How does Mercury authentication work?**
Mercury uses a Bearer token (API Token) against `api.mercury.com/api/v1`. Tokens must be generated with read-only scopes.

**Can I initiate money transfers via the API?**
The standard API token allows read-only access to balances and transactions for security reasons.