Open Source Mercury Alternatives

0 Finance hands an AI agent a real bank account and a command line to work it. Invoicing, transfers and reconciliation all happen through the zero CLI, so an agent can carry out finance chores without a person clicking through a banking dashboard on its behalf.

Authentication has an agent native path that provisions a company account from one command, plus browser login and API keys for humans. The monorepo holds the CLI, the bank web app and a smart contract module that automates savings, and a self-hosted instance leans on Privy configuration and a Safe wallet.

The workflows exposed to an agent are narrow on purpose.

• Invoices: invoices are created and sent from the terminal.
• Transfers: ACH and IBAN transfers are proposed and then held at an approval gate.
• Receipt matching: receipts attach to transactions and reconcile through the same CLI.
• Yield: idle funds earn a higher yield automatically rather than sitting still.
• Balances: one command reports what the account currently holds.
• Forkable: the whole stack runs as your own instance with the workflows changed to suit.

Invoicing, IBAN and ACH accounts and savings accounts are ticked off on the roadmap, with debit and credit cards still ahead. A hosted version on managed infrastructure is the easy path, while self-hosting is flagged as advanced work, since a live instance handles real money, real gas fees and the security practices that come with both.