# Mercury MCP for AI Agents AI Agent Connect

> Mercury MCP connects your AI agent to your business bank account. Check balances, pull transaction history, and manage payment recipients without switching tabs. It's for founders and finance teams who need a conversational way to monitor cash flow and handle daily banking tasks.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_RHJfUvNGjbjXOZwAj5iBeor8Z1fS3OZJyRo3dvdt/ai-agent-connect
- **Tags:** business-banking, financial-automation, transaction-reconciliation, cash-flow-tracking, startup-finance, api-banking

## Description

Mercury lets you manage your startup's finances through a chat interface. Instead of logging into a separate dashboard to see how much cash you have left or who you've paid, you can just ask your AI agent. This Connector connects your Mercury account directly to your workflow, so you can pull transaction records for specific dates or amounts to see where your money is going. It handles the heavy lifting of recipient management too, letting you list or create new contacts for ACH and wire transfers without manual entry. Since Vinkius gives you access to a massive catalog of integrations with a single connection, you can plug this in and start asking questions about your runway or treasury balance immediately. It turns a multi-tab banking process into a single conversation, making it way easier to keep track of your burn rate and payment status during busy weeks.

## Tools

### list_recipients
Shows all your saved payment recipients. Use this to see who you have already authorized for transfers.

### get_balance
Get account balance

### list_accounts
Shows every Mercury bank account you have. This helps you see your total cash position at a glance.

### list_cards
List Mercury debit cards

### list_customers
List invoicing customers

### list_invoices
List account receivable invoices

### get_account
Pulls specific details like routing numbers for a bank account. This is useful for getting metadata without opening the dashboard.

### list_transactions
Lists your most recent transactions. You can use this to audit spending for a specific period.

## Prompt Examples

**Prompt:** 
```
What's the current balance on all my Mercury accounts?
```

**Response:** 
```
I've checked your Mercury accounts. Here is your current cash position:

| Account Name | Balance |
| :--- | :--- |
| Operating Account | $142,350.00 |
| Savings Reserve | $500,000.00 |

**Total Cash Position:** $642,350.00
```

**Prompt:** 
```
Show me all transactions above $5,000 from this month.
```

**Response:** 
```
I found 4 transactions over $5,000 for this month:

* **AWS Infrastructure:** $12,400
* **Payroll Run:** $87,500
* **Office Lease:** $8,200
* **Legal Retainer:** $15,000

**Total Spending:** $123,100
```

**Prompt:** 
```
List all my payment recipients.
```

**Response:** 
```
You have 12 saved recipients in your Mercury account. Here are your most frequent ones:

* AWS (ACH)
* Gusto Payroll (ACH)
* WeWork (Wire)
* Stripe Atlas (ACH)
* Latham & Watkins (Wire)
```

## Capabilities

### Check account balances
Get real-time cash totals across all your Mercury accounts.

### Pull transaction history
Filter recent spending by date, amount, or who you paid.

### Manage payment recipients
Create or list contacts for ACH and wire transfers.

### View account details
Get routing numbers and account metadata instantly.

### Track treasury balance
See a high-level overview of your treasury holdings.

### List team members
See who has access to your Mercury account.

### Review bank statements
Pull a list of your official bank statements.

## Use Cases

### Quick Runway Check
A founder asks for a total balance during a meeting to see if they have enough cash for next month's payroll using get_treasury_balance.

### Vendor Audit
An ops lead asks for transactions over $5,000 from last week to double-check a specific vendor payment using list_transactions.

### Recipient Onboarding
A finance person adds a new law firm to the list of recipients so they can pay the retainer later using list_recipients.

### Team Access Review
An admin checks who has access to the bank accounts to ensure the right people are on the team using list_team_members.

## Benefits

- Stop switching tabs to see your cash position. Use list_accounts to get a full view of your money instantly.
- Speed up payments by using create_recipient to add new contacts without manual dashboard entry.
- Review official records with list_statements to pull your bank history directly into your workflow.
- Audit spending quickly by pulling transaction data into your chat interface.
- Get account metadata on demand to find routing numbers without logging into the portal.
- Monitor your treasury balance to keep a pulse on your runway during investor calls.

## How It Works

The bottom line is you get a conversational way to manage your business bank account without leaving your workspace.

1. Subscribe to the Mercury integration on the Vinkius marketplace.
2. Grab an API token from your Mercury dashboard under Settings.
3. Ask your agent to check your balance or pull recent transactions.

## Frequently Asked Questions

**Can Mercury MCP show my balance?**
Yes, it pulls real-time balances for all your accounts so you can see your total cash position instantly.

**Can I add new payees?**
You can use the Connector to create new recipients for ACH and wire transfers without needing to open the dashboard.

**Does Mercury MCP work with Claude?**
Yes, it works with any MCP-compatible client, including Claude, Cursor, and Windsurf.

**How do I get my transaction history?**
The Connector can pull your most recent transactions, which you can then filter by date or amount.

**Can I see my bank statements?**
Yes, it allows you to pull a list of your official bank statements directly into your chat.

**Can I manage my team members?**
You can use it to list all the team members who currently have access to your Mercury account.

**How do I find my routing number?**
You can ask your agent to pull account details, which includes routing numbers and other metadata.

**Is Mercury MCP safe for business banking?**
It connects securely to your Mercury account using your own API tokens, ensuring your data remains protected.

**How do I get my Mercury API token?**
Log in to your Mercury account at app.mercury.com. Go to **Settings → API Tokens** and click **Create Token**. Choose the token type (Read Only for balance checks, or Read and Write for managing recipients). Copy the token immediately — it will only be shown once. Paste it into the configuration field below, and you're ready. No code, no SDK, no webhooks.

**Can my AI agent check my startup's runway instantly during a board meeting?**
Absolutely. Just ask your AI agent 'What's my current balance across all Mercury accounts?' and it returns real-time balances for every account — checking, savings, and treasury — in seconds. No tab-switching, no logging in, no waiting for the dashboard to load.

**What if I need to review recent transactions for month-end close?**
Ask your AI agent to pull transactions from any date range. It retrieves each transaction with amount, counterparty, status, and date — perfect for reconciliation. You can filter by account, ask for Wire vs ACH breakdowns, or request only transactions above a specific threshold, all without exporting CSVs.

**Is this suitable for companies with multiple Mercury accounts?**
Yes. The integration retrieves data across all accounts linked to your API token — operating accounts, savings accounts, and treasury balances. Perfect for venture-backed startups managing multiple entities, holding companies, or finance teams tracking cash positions across subsidiaries.

**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.