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Mercury is a banking stack built specifically for startups, replacing the clunky interfaces of traditional banks like Chase or SVB. It is not a bank itself but a technology company that partners with FDIC-insured banks to provide a seamless, API-first banking experience. Its standout feature is "Mercury Treasury," which allows startups to automatically put idle cash into government-backed securities to earn high yield, with the ability to liquidate instantly when needed for payroll. It offers read-write API access, meaning you can programmatically send wires or check balances from your own code. For founders, Mercury removes the friction of financial operations; you can issue virtual debit cards to employees instantly, set spending limits, and integrate directly with Quickbooks, ensuring that your bank account acts as an active part of your tech stack rather than a static vault.