{ "trust_level": "claimed", "official_brand_source": false, "verification_method": null, "verified_domain": null, "verified_at": null, "verification_last_checked_at": null, "verification_expires_at": null, "status": "active", "customer_handle": "mercury-62263f8d", "certification_status": "not_certified", "registry_certified": false, "certification": null, "brand_name": "Mercury", "response_scope": "full_tree", "integrity": { "version": 2, "publication_id": "0f77d7c0ab1418c90e204e5ad8ac7ed23f64f2811ce3c0396cf23046ec089cb7", "revision_id": "c236c081-cf54-4123-9ae8-42ec8e5574ae", "manifest_sha256": "bd92cfd9371ec22e05f1c818e47b730cad380cee2d580ffbf5985f1fc75085e0", "manifest_signature": "V40T9viVJt3Yv5TKtv6Nf4womZbeiPv8d7fCJQscL7u4cQZu3LjijIUgx1LteLobNAPY3KeGhHz0xZxhFloIBg==", "manifest_signature_kid": "v1" }, "verified": null, "schema": "bcp-readable-package-v1", "integrity_scope": "publication_manifest", "representation": "Derived readable representation; verify signatures against the canonical source files.", "canonical_registry_url": "https://registry.brandcontextprotocol.dev/brands/mercury-62263f8d", "html_url": "https://registry.encodedbrands.ai/brands/mercury-62263f8d", "files": [ { "path": "/.well-known/brand/claims.md", "content": "---\nbcp_version: \"1.1.1\"\nfile_type: claims\nparent: https://registry.brandcontextprotocol.dev/mercury-62263f8d/.well-known/brand.md\nlast_updated: 2026-09-23\n---\n\n# Claims\n\n> **Public-source demonstration.** This evidence register uses public mercury.com material accessed 23 September 2026. Mercury has not reviewed or approved it.\n\n## Supportable public claims\n\n```yaml\nclaims:\n - claim: \"Mercury is a fintech company, not an FDIC-insured bank.\"\n tier: core\n proof_status: approved\n exact_text: true\n evidence: \"https://mercury.com/\"\n conditions: \"When discussing banking services, retain the current partner-bank disclosure.\"\n\n - claim: \"Mercury introduced Mercury Spend on 11 August 2026.\"\n tier: core\n proof_status: approved\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Dated product announcement.\"\n\n - claim: \"Mercury Spend is a unified system of intelligent budgets and self-enforcing expense policies built for scaling teams.\"\n tier: core\n proof_status: approved\n exact_text: true\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Mercury's product description, not an independent performance finding.\"\n\n - claim: \"Mercury Spend can route transactions and reimbursements to budgets and automatically categorize transactions.\"\n tier: core\n proof_status: approved\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Do not imply perfect categorization or no review.\"\n\n - claim: \"Admins can configure policy settings that automatically lock cards with overdue tasks.\"\n tier: default\n proof_status: approved\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Describe as a configurable policy behavior.\"\n\n - claim: \"Mercury offers dedicated cards for agents to enable approved transactions and provide granular visibility over activity.\"\n tier: core\n proof_status: requires_caveat\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Keep 'approved transactions' and visibility/control language. Never paraphrase as autonomous authority to spend.\"\n\n - claim: \"Mercury Spend can show spend by card, team, vendor, or time period.\"\n tier: default\n proof_status: approved\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Product capability described in the announcement.\"\n\n - claim: \"Mercury collaborated with Simone Bodmer-Turner on a limited-edition IO card.\"\n tier: core\n proof_status: requires_caveat\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"Keep 'limited-edition'; verify present availability before using a live acquisition message.\"\n\n - claim: \"Mercury Spend is included for Mercury business banking customers and was described at launch as available standalone for companies that bank elsewhere.\"\n tier: default\n proof_status: requires_caveat\n exact_text: false\n evidence: \"https://mercury.com/blog/introducing-mercury-spend\"\n conditions: \"The current Spend page uses different future-tense standalone wording. Recheck current availability before publication.\"\n\n - claim: \"The business credit card that scales with you\"\n tier: core\n proof_status: approved\n exact_text: true\n evidence: \"https://mercury.com/credit\"\n conditions: \"IO page headline checked 23 September 2026.\"\n\n - claim: \"Unlock unlimited 1.5% cashback and build business credit from day one if you're eligible.\"\n tier: default\n proof_status: requires_caveat\n exact_text: false\n evidence: \"https://mercury.com/credit\"\n 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.\"\n\n - claim: \"The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.\"\n tier: core\n proof_status: approved\n exact_text: true\n evidence: \"https://mercury.com/credit\"\n conditions: \"Keep this issuer line when describing the IO Card.\"\n\n - claim: \"Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.\"\n tier: core\n proof_status: approved\n exact_text: true\n evidence: \"https://mercury.com/credit\"\n conditions: \"Partner-bank sentence on the credit page. Recheck before applying it to a different Mercury product.\"\n```\n\n## Restricted or volatile claims\n\n```yaml\nrestricted:\n - claim_area: \"rates, APY, yield, cashback, fees, credit terms, deposit-insurance limits, customer counts, transaction volume, ratings, valuation, and revenue\"\n status: \"recheck_current_source\"\n 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.\"\n - claim_area: \"savings, time saved, approval speed, close speed, fraud reduction, compliance, or return on investment\"\n status: \"not_supported_for_this_brief\"\n reason: \"No approved quantitative evidence was found in the named product announcement.\"\n - claim_area: \"agent autonomy\"\n status: \"restricted_framing\"\n reason: \"Public copy supports approved transactions, dedicated cards, budgets, policies, and visibility; it does not support independent authority over funds.\"\n - claim_area: \"Mercury endorsement of this BCP or Encoded demonstration\"\n status: \"forbidden\"\n reason: \"This is an unapproved public-source demonstration.\"\n```\n\n## Evidence gaps\n\n- No Mercury-approved brand guide was provided.\n- No claim owner, legal approval record, expiry policy, or source hashes were provided.\n- No public quantitative outcome study for Mercury Spend was found in the named announcement.\n- Current availability rules for the limited-edition IO card need confirmation before a live offer.\n", "signature": "MIIUTv8tHdoFT6CoZtoMbVPDKm6ULtP+jiTcWhnJ43qcVIT5Jc3UE/GCvCUwO+TuItbvIbcs26JFyp7X9xt8BA==", "sha256": "40a13452c5c815d40b97990a8aeae0546e2a69848e9c7afe48154e4f56531ad6", "kid": "v1", "content_type": "text/markdown; charset=utf-8", "html_url": "https://registry.encodedbrands.ai/brands/mercury-62263f8d/files/claims", "json_url": "https://registry.encodedbrands.ai/brands/mercury-62263f8d/files/claims/data.json", "source_url": "https://registry.encodedbrands.ai/brands/mercury-62263f8d/source/claims.md", "canonical_source_url": "https://registry.brandcontextprotocol.dev/mercury-62263f8d/.well-known/brand/claims.md" } ] }