# Mercury MCP > Mercury MCP connects your AI agent directly to your Mercury business banking account. Check real-time cash positions across all accounts, pull filtered transaction history, and manage payment recipients without ever opening a browser dashboard. It gives your workflow immediate access to core startup financial data. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** business-banking, transaction-history, account-balances, startup-finance, treasury-management ## Description Connect your company's finances conversationally. This MCP lets your AI agent handle tasks that used to require logging into the Mercury web portal. You can ask for an instant snapshot of all active account balances or pull transaction records, filtering them by dates or specific amounts right from your development environment. Need to make a payment? Your agent manages everything from listing existing recipients to creating new ones for ACH and wire transfers. Because this integration is hosted on the Vinkius catalog, you connect once using your preferred AI client—whether that's Cursor, Claude, or Windsurf—and gain access to banking data across multiple systems. You don't just get data; you execute operations. You can retrieve key account details like routing numbers and also pull full bank statements for auditing purposes. ## Tools ### list_accounts Retrieves a list of every Mercury bank account associated with the business. ### list_team_members Lists all team members connected to the company's operational accounts. ### get_account Fetches specific metadata and details for a single bank account. ### list_transactions Retrieves the most recent transactions, allowing filtering by parameters like date or amount. ### get_transaction Gets detailed information about a specific transaction ID. ### list_recipients Shows all payment recipients that have been saved for future use. ### create_recipient Adds and saves a brand new recipient needed before any payments can be sent out. ### list_payments Lists payment transactions that have been successfully sent from the account. ### list_statements Retrieves a list of available bank statements for historical review and auditing. ### get_treasury_balance Provides an overview or summary of the overall treasury balance across linked accounts. ## Prompt Examples **Prompt:** ``` What's the current balance on all my Mercury accounts? ``` **Response:** ``` I queried your Mercury accounts. You have two active accounts: 'Operating Account' with $142,350.00 and 'Savings Reserve' with $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 above $5,000 this month: AWS Infrastructure ($12,400), Payroll Run ($87,500), Office Lease ($8,200), and Legal Retainer ($15,000). Total: $123,100. ``` **Prompt:** ``` List all my payment recipients. ``` **Response:** ``` You have 12 saved recipients. Here are the top 5 by frequency: AWS (ACH), Gusto Payroll (ACH), WeWork (Wire), Stripe Atlas (ACH), and Latham & Watkins (Wire). ``` ## Capabilities ### Check all cash positions Instantly list current balances across every linked Mercury bank account. ### Analyze spending patterns Pull and filter transaction records by date, amount, or the counterparty involved in the payment. ### Manage payments List existing payees and create new recipients needed for ACH or wire transfers. ### Retrieve account fundamentals Get specific bank metadata, like routing numbers and full account details, programmatically. ## Use Cases ### The Investor Update A founder needs to know their current cash runway for an investor call. They prompt the agent, and it uses list_accounts to report the total funds instantly, avoiding a stressful switch to the web portal. ### Monthly Expense Review The CFO asks the agent to find all payments over $10,000 in October. The agent runs list_transactions and filters the results, providing an immediate summary of major expenditures for review. ### Setting Up a Vendor Payment The Ops Engineer needs to pay a new vendor. Instead of manually finding their details, they ask the agent to create_recipient, and it handles gathering and saving all necessary ACH information. ### Debugging Financial Code A developer needs to verify the account number for a payment script. They use get_account to pull the exact metadata needed, ensuring their code uses the correct financial identifiers. ## Benefits - Instant Cash Visibility: Instead of logging into a web dashboard, you ask your agent for the 'total cash position' and get an immediate sum across all accounts using list_accounts and get_treasury_balance. - Deep Transaction Filtering: You don't just see a feed; you can prompt the agent to pull transactions above $5k from this month, instantly isolating key expenses via list_transactions. - Payment Workflow Automation: To send money, your agent handles listing payees with list_recipients and creating new ones using create_recipient—all without manual copy-pasting of routing numbers. - Audit Trail Access: Need proof of funds? You can request a full bank statement by calling list_statements, giving you structured data for accounting reports. - Contextual Data Retrieval: Beyond balances, the get_account tool lets your agent fetch crucial metadata like account and routing numbers when building scripts or integrating systems. ## How It Works The bottom line is that you tell your agent what financial data or action you need, and it handles the secure connection to Mercury on your behalf. 1. First, subscribe to the Mercury integration via your Vinkius client connection. 2. Second, generate an API token from your Mercury dashboard settings. This key authorizes your agent. 3. Third, prompt your AI agent with a natural language request—like 'What was our spending over $5k last month?'—and it executes the necessary calls. ## Frequently Asked Questions **Can Mercury MCP only read data, or can I send money?** You can do both. This MCP allows your agent to list payments using list_payments, but it also lets you execute payment actions by listing and creating recipients. **Which tool should I use for a general balance check with Mercury MCP?** Use get_treasury_balance or list_accounts. These tools give you an immediate, comprehensive overview of the total cash available across all your linked accounts. **How do I find out what transactions occurred last quarter using Mercury MCP?** You use list_transactions and provide date filters in your prompt. The agent pulls only those records, saving you from scrolling through pages of data. **Is there a way to get account metadata besides the balance via Mercury MCP?** Yes, the get_account tool specifically retrieves crucial details like routing numbers and general bank account metadata that your code might need. **Do I have to manually update my API key every time I use Mercury MCP?** No. Once you subscribe via Vinkius, the connection is managed securely through an established token process, allowing continuous data access without constant manual intervention. **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.