Very well could be true because I had no idea who or what they are.
Do they have strong low level automation support for the customer programmatically even for personal accounts? I use ledger for plaintext accounting for both personal and business and sync of data is slightly annoying, perhaps Mercury’s products solve that trivially?
I made this to solve it https://sras.me/accounts/
Feel free to use it as it stores data on your browser's local storage only. For syncing between devices, you would be able to use Google firebase's free tier and export your accounts (after compressing and encrypting) there and import from another device. Let me know if you want to try it..
I thought that was the whole point of banks - does money randomly disappear when people do wire transfers?