{"slug": "mercury", "name": "Mercury", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 4, "commenters": 4, "warners": 0, "score": 3.604, "rising": 0.02, "first": "2026-01-21", "latest": "2026-10-22", "why": "I recommend Mercury (no affiliation, just a happy customer)", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 4, "neutral": 0, "compare": 0, "warn": 0}, "spark": [0, 0, 1, 0, 1, 0, 0, 1, 0, 0, 0, 1], "listed": true, "loved": [], "caveat": "", "short_quote": "I recommend Mercury (no affiliation, just a happy customer)", "icon": true, "domain": "inceptionlabs.ai", "github_repo": null, "official_url": "https://inceptionlabs.ai", "pricing": "", "aliases": ["Mercury"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 803172656, "item_id": 50198291, "url": "https://news.ycombinator.com/item?id=50198291", "by": "stickfigure", "date": "2026-10-22", "stance": "recommend", "quote": "I used Mercury for a startup a few years ago, they were great.", "excerpt": "I used Mercury for a startup a few years ago, they were great. Looks like they have personal banking now, but it's $20/mo unless you also have a business account.", "context": "startup founder", "use_case": "startup business banking", "switched_from": "", "story": "What\u2019s getting pwned right now"}, {"id": 775669345, "item_id": 48479334, "url": "https://news.ycombinator.com/item?id=48479334", "by": "vineyardmike", "date": "2026-06-10", "stance": "recommend", "quote": "My unexpected favorite model to use was Mercury (a diffusion model).", "excerpt": "Recently I had switched to OpenCode to try out many of the Non-US-Frontier-Labs models. My unexpected favorite model to use was Mercury (a diffusion model). Not because it was \u201csmart\u201d but because it was stupid fast. It was more of a pair-programming experience instead of the SOTA agentic experience of prompting and waiting. Honestly, it was also way more fun and brought back some of the pre-AI coding experience while", "context": "", "use_case": "fast pair-programming", "switched_from": "", "story": "DiffusionGemma: 4x Faster Text Generation"}, {"id": 756470576, "item_id": 47279411, "url": "https://news.ycombinator.com/item?id=47279411", "by": "andrewljohnson", "date": "2026-03-06", "stance": "recommend", "quote": "We use Mercury\u2019s treasury account to get yields on cash, and what appeals to me is it is easy to manage.", "excerpt": "We use Mercury\u2019s treasury account to get yields on cash, and what appeals to me is it is easy to manage. I don\u2019t have to worry about setting up processes to move money around and it\u2019s integrated with my bank account, and we wouldn\u2019t want to switch even for a higher yield\u2026 the operational burden is more important to us than yield. I think the yield is about 3.2% based on how we set it up to be as liquid as possible. W", "context": "startup using Mercury business banking", "use_case": "treasury yield on cash", "switched_from": "", "story": "Launch HN: Palus Finance (YC W26): Better yields on idle cash for startups, SMBs"}, {"id": 747296560, "item_id": 46706035, "url": "https://news.ycombinator.com/item?id=46706035", "by": "toomuchtodo", "date": "2026-01-21", "stance": "recommend", "quote": "I recommend Mercury (no affiliation, just a happy customer)", "excerpt": "This should be available in your bank or other treasury management provider automation. Does your bank not support this? If you're not getting this from your current biz bank, I would shop around. I recommend Mercury (no affiliation, just a happy customer), but others provide some level of this too. (workflow automation providers do not want this liability, as you note in Zapier's ToS, which is totally fair)", "context": "business owner", "use_case": "business banking with payment automation", "switched_from": "", "story": "Ask HN: Does \"Zapier for payment automation\" exist?"}]}], "caveats": [], "who": [{"by": "stickfigure", "context": "startup founder", "url": "https://news.ycombinator.com/item?id=50198291", "date": "2026-10-22"}, {"by": "andrewljohnson", "context": "startup using Mercury business banking", "url": "https://news.ycombinator.com/item?id=47279411", "date": "2026-03-06"}, {"by": "toomuchtodo", "context": "business owner", "url": "https://news.ycombinator.com/item?id=46706035", "date": "2026-01-21"}], "tags": [], "use_cases": ["startup business banking", "fast pair-programming", "treasury yield on cash", "business banking with payment automation"], "compared": [], "makers": [{"id": 802505504, "item_id": 50156594, "url": "https://news.ycombinator.com/item?id=50156594", "by": "volodia", "date": "2026-10-19", "stance": "recommend", "quote": "We are going to be sharing additional information like task completion times in the near future", "excerpt": "We are going to be sharing additional information like task completion times in the near future as the model undergoes additional benchmarking by third parties. We also plan to share data on specific use cases where the model traces new points of the Pareto frontier and and speed cost. For a preview of the latter, check out our analysis of the Mercury Voice model: https://www.inceptionlabs.ai/blog/introducing-mercury", "context": "", "use_case": "diffusion LLM", "switched_from": "", "story": "Mercury 3: Diffusion at scale"}], "threads": [{"url": "https://news.ycombinator.com/item?id=50195543", "title": "What\u2019s getting pwned right now", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=50155245", "title": "Mercury 3: Diffusion at scale", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=48478471", "title": "DiffusionGemma: 4x Faster Text Generation", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=47278980", "title": "Launch HN: Palus Finance (YC W26): Better yields on idle cash for startups, SMBs", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=46706001", "title": "Ask HN: Does \"Zapier for payment automation\" exist?", "mentions": 1}], "sentiment_by_month": {"2025-11": {}, "2025-12": {}, "2026-01": {"recommend": 1}, "2026-02": {}, "2026-03": {"recommend": 1}, "2026-04": {}, "2026-05": {}, "2026-06": {"recommend": 1}, "2026-07": {}, "2026-08": {}, "2026-09": {}, "2026-10": {"recommend": 1}}, "quotes": [{"id": 803172656, "item_id": 50198291, "url": "https://news.ycombinator.com/item?id=50198291", "by": "stickfigure", "date": "2026-10-22", "stance": "recommend", "quote": "I used Mercury for a startup a few years ago, they were great.", "excerpt": "I used Mercury for a startup a few years ago, they were great. Looks like they have personal banking now, but it's $20/mo unless you also have a business account.", "context": "startup founder", "use_case": "startup business banking", "switched_from": "", "story": "What\u2019s getting pwned right now"}, {"id": 775669345, "item_id": 48479334, "url": "https://news.ycombinator.com/item?id=48479334", "by": "vineyardmike", "date": "2026-06-10", "stance": "recommend", "quote": "My unexpected favorite model to use was Mercury (a diffusion model).", "excerpt": "Recently I had switched to OpenCode to try out many of the Non-US-Frontier-Labs models. My unexpected favorite model to use was Mercury (a diffusion model). Not because it was \u201csmart\u201d but because it was stupid fast. It was more of a pair-programming experience instead of the SOTA agentic experience of prompting and waiting. Honestly, it was also way more fun and brought back some of the pre-AI coding experience while", "context": "", "use_case": "fast pair-programming", "switched_from": "", "story": "DiffusionGemma: 4x Faster Text Generation"}, {"id": 756470576, "item_id": 47279411, "url": "https://news.ycombinator.com/item?id=47279411", "by": "andrewljohnson", "date": "2026-03-06", "stance": "recommend", "quote": "We use Mercury\u2019s treasury account to get yields on cash, and what appeals to me is it is easy to manage.", "excerpt": "We use Mercury\u2019s treasury account to get yields on cash, and what appeals to me is it is easy to manage. I don\u2019t have to worry about setting up processes to move money around and it\u2019s integrated with my bank account, and we wouldn\u2019t want to switch even for a higher yield\u2026 the operational burden is more important to us than yield. I think the yield is about 3.2% based on how we set it up to be as liquid as possible. W", "context": "startup using Mercury business banking", "use_case": "treasury yield on cash", "switched_from": "", "story": "Launch HN: Palus Finance (YC W26): Better yields on idle cash for startups, SMBs"}, {"id": 747296560, "item_id": 46706035, "url": "https://news.ycombinator.com/item?id=46706035", "by": "toomuchtodo", "date": "2026-01-21", "stance": "recommend", "quote": "I recommend Mercury (no affiliation, just a happy customer)", "excerpt": "This should be available in your bank or other treasury management provider automation. Does your bank not support this? If you're not getting this from your current biz bank, I would shop around. I recommend Mercury (no affiliation, just a happy customer), but others provide some level of this too. (workflow automation providers do not want this liability, as you note in Zapier's ToS, which is totally fair)", "context": "business owner", "use_case": "business banking with payment automation", "switched_from": "", "story": "Ask HN: Does \"Zapier for payment automation\" exist?"}]}