M 
Mercury
Business banking built for startups and remote founders.
NOT REALLY
why this verdict
Keep it — OpenAI has not replaced it
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
- A named launch, not a vibe named, unlinked
- AI startup tooling grew the number of tiny companies needing a bank. OpenAI, January 1, 2025 — no announcement link recorded yet.
- How much of the job it covers not the job editorial call
- Parts of it. The job still needs the tool to get finished.
- Is there a free way to do it? paid only
- 2 replacements listed, all paid.
- What the call is worth nothing to cancel
- No paid entry tier tracked, so there is no subscription to cancel.
Reason composed from the fields above missing: announcement linked missing: free replacement listed recorded: two or more escape hatches
- Threatened by
- OpenAI
- Since
- January 1, 2025
- List price
- free
- Per year
- —
The backstory
Banking is regulated infrastructure, which makes it about as AI-proof as software gets. Mercury benefited from the wave: thousands of new one-person AI companies incorporated and every one of them needed an account, a card and a way to pay contractors.