---
bcp_version: "1.0"
file_type: claims
parent: https://registry.brandcontextprotocol.dev/mercury-62263f8d/.well-known/brand.md
last_updated: 2026-09-23
---

# Claims

> **Public-source demonstration.** This evidence register uses public mercury.com material accessed 23 September 2026. Mercury has not reviewed or approved it.

## Supportable public claims

```yaml
claims:
  - claim: "Mercury is a fintech company, not an FDIC-insured bank."
    tier: core
    proof_status: approved
    exact_text: true
    evidence: "https://mercury.com/"
    conditions: "When discussing banking services, retain the current partner-bank disclosure."

  - claim: "Mercury introduced Mercury Spend on 11 August 2026."
    tier: core
    proof_status: approved
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Dated product announcement."

  - claim: "Mercury Spend is a unified system of intelligent budgets and self-enforcing expense policies built for scaling teams."
    tier: core
    proof_status: approved
    exact_text: true
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Mercury's product description, not an independent performance finding."

  - claim: "Mercury Spend can route transactions and reimbursements to budgets and automatically categorize transactions."
    tier: core
    proof_status: approved
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Do not imply perfect categorization or no review."

  - claim: "Admins can configure policy settings that automatically lock cards with overdue tasks."
    tier: default
    proof_status: approved
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Describe as a configurable policy behavior."

  - claim: "Mercury offers dedicated cards for agents to enable approved transactions and provide granular visibility over activity."
    tier: core
    proof_status: requires_caveat
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Keep 'approved transactions' and visibility/control language. Never paraphrase as autonomous authority to spend."

  - claim: "Mercury Spend can show spend by card, team, vendor, or time period."
    tier: default
    proof_status: approved
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Product capability described in the announcement."

  - claim: "Mercury collaborated with Simone Bodmer-Turner on a limited-edition IO card."
    tier: core
    proof_status: requires_caveat
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "Keep 'limited-edition'; verify present availability before using a live acquisition message."

  - claim: "Mercury Spend is included for Mercury business banking customers and was described at launch as available standalone for companies that bank elsewhere."
    tier: default
    proof_status: requires_caveat
    exact_text: false
    evidence: "https://mercury.com/blog/introducing-mercury-spend"
    conditions: "The current Spend page uses different future-tense standalone wording. Recheck current availability before publication."

  - claim: "The business credit card that scales with you"
    tier: core
    proof_status: approved
    exact_text: true
    evidence: "https://mercury.com/credit"
    conditions: "IO page headline checked 23 September 2026."

  - claim: "Unlock unlimited 1.5% cashback and build business credit from day one if you're eligible."
    tier: default
    proof_status: requires_caveat
    exact_text: false
    evidence: "https://mercury.com/credit"
    conditions: "Opening clause of the credit hero, checked 23 September 2026. Keep eligibility. Recheck the rate. The page also says the card is exclusively for Mercury account holders."

  - claim: "The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated."
    tier: core
    proof_status: approved
    exact_text: true
    evidence: "https://mercury.com/credit"
    conditions: "Keep this issuer line when describing the IO Card."

  - claim: "Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC."
    tier: core
    proof_status: approved
    exact_text: true
    evidence: "https://mercury.com/credit"
    conditions: "Partner-bank sentence on the credit page. Recheck before applying it to a different Mercury product."
```

## Restricted or volatile claims

```yaml
restricted:
  - claim_area: "rates, APY, yield, cashback, fees, credit terms, deposit-insurance limits, customer counts, transaction volume, ratings, valuation, and revenue"
    status: "recheck_current_source"
    reason: "These values and conditions can change. Recheck the current page. IO cashback, limits, and fees on https://mercury.com/credit were checked 23 September 2026 and stay conditional."
  - claim_area: "savings, time saved, approval speed, close speed, fraud reduction, compliance, or return on investment"
    status: "not_supported_for_this_brief"
    reason: "No approved quantitative evidence was found in the named product announcement."
  - claim_area: "agent autonomy"
    status: "restricted_framing"
    reason: "Public copy supports approved transactions, dedicated cards, budgets, policies, and visibility; it does not support independent authority over funds."
  - claim_area: "Mercury endorsement of this BCP or Encoded demonstration"
    status: "forbidden"
    reason: "This is an unapproved public-source demonstration."
```

## Evidence gaps

- No Mercury-approved brand guide was provided.
- No claim owner, legal approval record, expiry policy, or source hashes were provided.
- No public quantitative outcome study for Mercury Spend was found in the named announcement.
- Current availability rules for the limited-edition IO card need confirmation before a live offer.