Mercury Banking

Mercury banking API integration — accounts, balances, transactions, financial summaries, AI transaction categorization, and cash flow analysis. The only Merc...

Security Scan

The skill is internally consistent with a Mercury banking integration: it only requires a Mercury API key, calls the Mercury API, and optionally uses OpenRouter for LLM-based categorization — nothing in the files appears to be doing unrelated or hidden actions.

Purpose & Capability

Name/description, declared primary credential (MERCURY_API_KEY), SKILL.md usage examples, and the included script all align: the code calls https://api.mercury.com/api/v1 for accounts/transactions/cashflow and implements the described commands.

Instruction Scope

Runtime instructions and the script stay within banking and optional AI categorization. However, the tool prints account and routing numbers and will send transaction lists to OpenRouter (an external LLM endpoint) when AI features are used — this exposes sensitive financial data to a third party if you enable categorization/summary without reviewing data policies.

Install Mechanism

Instruction-only with a single Python script and no install spec; nothing is downloaded or extracted during install.

Credentials

Only MERCURY_API_KEY is required (declared as primary). That is expected for this integration but is a high‑privilege secret because it grants access to account and transaction data. OPENROUTER_API_KEY is optional for LLM features and is only needed when calling AI endpoints.

Persistence & Privilege

The skill does not request always:true, does not modify other skills or system settings, and is user-invocable. It runs on demand and does not demand permanent presence.

Assessment

This skill appears to do what it says, but take these precautions before installing: 1) Only provide a Mercury API key with the minimal scope required (use sandbox/test tokens when possible) and be prepared to rotate the key if needed. 2) Be aware that enabling AI features will send transaction data to OpenRouter (an external LLM) — avoid sending sensitive PII or confidential transactions unless you are comfortable with that third party's policies. 3) The script prints routing/account numbers to stdout; avoid running it in shared or logged environments. 4) Review any organizational policies about storing or exposing financial credentials and run first against a Mercury sandbox account to verify behaviour.

Mercury banking API integration for OpenClaw agents. Manage accounts, transactions, cash flow, and get AI-powered financial insights.

Requirements

Variable	Required	Description
MERCURY_API_KEY	✅	Mercury API token (get one)
OPENROUTER_API_KEY	Optional	For AI categorization and summaries

Quick Start

# List all accounts and balances
python3 {baseDir}/scripts/mercury_api.py accounts

# Recent transactions
python3 {baseDir}/scripts/mercury_api.py transactions <account_id>

# Transactions with date filter
python3 {baseDir}/scripts/mercury_api.py transactions <account_id> --start 2026-01-01 --end 2026-01-31

# Search transactions
python3 {baseDir}/scripts/mercury_api.py transactions <account_id> --search "Stripe"

# Cash flow analysis
python3 {baseDir}/scripts/mercury_api.py cashflow <account_id> --days 30

# AI categorize transactions
python3 {baseDir}/scripts/mercury_api.py categorize <account_id> --days 30

# Financial summary
python3 {baseDir}/scripts/mercury_api.py summary <account_id> --period weekly

Commands

accounts

Lists all Mercury accounts with current balances, account type, and status.

transactions <account_id>

Fetch transactions with optional filters:

• --start YYYY-MM-DD / --end YYYY-MM-DD — date range
• --search "term" — filter by counterparty or description
• --limit N — max results (default 50)
• --status pending|sent|cancelled|failed — filter by status

cashflow <account_id>

Analyze cash flow over a period:

• --days N — lookback period (default 30)
• Shows total inflows, outflows, net, daily average, burn rate

categorize <account_id>

AI-powered transaction categorization (requires OPENROUTER_API_KEY):

• --days N — lookback period (default 30)
• Groups transactions into categories (payroll, SaaS, revenue, etc.)
• Outputs category totals and percentages

summary <account_id>

Generate financial summary:

• --period weekly|monthly — summary period
• Includes top expenses, revenue sources, cash position, trends

Mercury API Notes

• Base URL: https://api.mercury.com/api/v1
• Auth: Bearer token in Authorization header
• Rate limits: Be mindful of API limits; the script handles pagination automatically
• Sandbox: Mercury provides a sandbox environment for testing

Credits

Built by M. Abidi | agxntsix.ai YouTube | GitHub Part of the AgxntSix Skill Suite for OpenClaw agents.

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