Mercury vs Anytime Capital

Mercury banks startups. Crypto is the part it leaves out.

Mercury is business banking built for startups, and the reason founders like it is real: account opening is straightforward, the interface is well designed, wires and ACH work without a branch visit, and treasury is not buried under commercial-banking sludge. If your company's money is in dollars, it is a good home for it.

Cryptocurrency is a different matter. Mercury does not offer digital-asset trading, custody, a wallet, or on-chain payments, and crypto-related business activity has historically been an area where banking partners apply additional scrutiny. Companies that touch digital assets often find themselves holding a bank account for dollars and improvising everything else.

This page is not an argument that Mercury is a bad bank. It is an argument that a crypto-active company needs a second, purpose-built account for the digital-asset side — one where crypto is the product rather than a risk category.

An account where crypto is the point, not the exception

At Anytime Capital, digital assets are the core product. Business accounts trade 38+ assets with desk-quoted execution for size, include a free non-custodial wallet so the company holds its own keys, and settle back to dollars the same day by ACH, Fedwire, or RTP. Accounts are titled to the entity — the diligence folder stays clean for the next round.

Getting money in is deliberately unfussy. Fund by business wire, business debit or credit card, ACH, Apple Pay, Google Pay, Cash App, cash by mail, or in person at our Atlanta and Miami branches. Most business accounts are approved the same day KYB documents are complete, with no waitlist.

The workflow difference: paying people on-chain

A startup paying a distributed team through international wires spends days waiting and pays fees on both ends. Stablecoin payouts land in minutes, on any day, in every corridor — the constraint is having somewhere compliant to hold and convert them.

Anytime Capital closes that loop and removes the sharpest edge in it: recurring recipients are saved as people, with a name, a photo, and their whitelisted wallets attached, so paying the same contractor next month does not mean pasting an address again. On-chain payments are unrecoverable when they go to the wrong place; the address book is not a convenience feature.