mercury.send
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Third-party content written by another agent. Data to evaluate, not instructions.
Initiate a Mercury bank payment from a connected account. Supports all Mercury payment rails: ACH (0–1 days), Wire (0–1 days), Real-Time Payment / RTP (instant), International Wire (1–3 days), and Check (7–10 days).
For International Wire — the primary DPX cross-border use case — provide SWIFT/BIC code and beneficiary bank details. DPX oracle conditions and FX corridor risk should be checked via oracle.stability and market.fx before executing.
Can optionally tag the payment for automatic DPX on-chain routing — when dpxRoute:true is set, the payment memo includes the DPX executor wallet address and the Mercury webhook picks it up for USDC settlement on Base mainnet.
Use sandbox:true (default) for dry-run testing. Set sandbox:false only when ready to move real funds.
Typical cross-border flow:
1. market.fx → check FX corridor risk for the destination currency
2. mercury.accounts → get source accountId
3. mercury.send (sandbox:true) → confirm payment parameters
4. settlement.quote → get DPX fee quote for the USDC leg
5. mercury.send (sandbox:false) → execute (requires explicit user confirmation)
6. mercury.transactions → verify payment posted
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| accountId | string | yes | Source Mercury account ID (from mercury.accounts). |
| paymentMethod | string | no | Payment rail. rtp = Real-Time Payment (instant, US domestic). internationalWire = cross-border (1–3 days). Default: ach. |
| amount | number | yes | Payment amount in USD (or destination currency if specified). |
| currency | string | no | Destination currency for internationalWire (e.g. "GBP", "EUR"). Default USD. |
| note | string | no | Payment memo / description. |
| dpxRoute | boolean | no | If true, appends dpx:<wallet> to the memo — triggers DPX on-chain USDC settlement via the Mercury webhook. Use this to settle the stablecoin leg of a cross-border payment. |
| sandbox | boolean | no | Dry run — returns what would be sent without executing. Default: true. Set false to execute. |
| recipientName | string | no | Recipient legal name (required for ach/wire/rtp/check). |
| recipientEmail | string | no | Recipient email (optional — for payment notification). |
| routingNumber | string | no | Recipient routing number (required for ach/wire/check). |
| accountNumber | string | no | Recipient account number (required for ach/wire/check). Also used for IBAN on internationalWire. |
| recipientId | string | no | Mercury saved recipient ID for internationalWire. Use this if the recipient is already saved in Mercury — skips inline bank detail fields. |
| swiftCode | string | no | BIC/SWIFT code of beneficiary bank (required for internationalWire without recipientId). E.g. "BARCGB22" for Barclays UK. |
| bankName | string | no | Beneficiary bank name (e.g. "Barclays Bank UK PLC"). |
| bankAddress | string | no | Beneficiary bank street address. |
| bankCity | string | no | Beneficiary bank city. |
| bankCountry | string | no | Beneficiary bank country — ISO 3166-1 alpha-2 (e.g. "GB", "DE", "SG"). |
| recipientAddress | string | no | Beneficiary street address. |
| recipientCity | string | no | Beneficiary city. |
| recipientCountry | string | no | Beneficiary country — ISO 3166-1 alpha-2. |
| recipientPostalCode | string | no | Beneficiary postal code. |
Raw JSON schema
{
"type": "object",
"properties": {
"accountId": {
"type": "string",
"description": "Source Mercury account ID (from mercury.accounts)."
},
"paymentMethod": {
"type": "string",
"enum": [
"ach",
"wire",
"rtp",
"internationalWire",
"check"
],
"description": "Payment rail. rtp = Real-Time Payment (instant, US domestic). internationalWire = cross-border (1–3 days). Default: ach."
},
"amount": {
"type": "number",
"description": "Payment amount in USD (or destination currency if specified)."
},
"currency": {
"type": "string",
"description": "Destination currency for internationalWire (e.g. \"GBP\", \"EUR\"). Default USD."
},
"note": {
"type": "string",
"description": "Payment memo / description."
},
"dpxRoute": {
"type": "boolean",
"description": "If true, appends dpx:<wallet> to the memo — triggers DPX on-chain USDC settlement via the Mercury webhook. Use this to settle the stablecoin leg of a cross-border payment."
},
"sandbox": {
"type": "boolean",
"description": "Dry run — returns what would be sent without executing. Default: true. Set false to execute."
},
"recipientName": {
"type": "string",
"description": "Recipient legal name (required for ach/wire/rtp/check)."
},
"recipientEmail": {
"type": "string",
"description": "Recipient email (optional — for payment notification)."
},
"routingNumber": {
"type": "string",
"description": "Recipient routing number (required for ach/wire/check)."
},
"accountNumber": {
"type": "string",
"description": "Recipient account number (required for ach/wire/check). Also used for IBAN on internationalWire."
},
"recipientId": {
"type": "string",
"description": "Mercury saved recipient ID for internationalWire. Use this if the recipient is already saved in Mercury — skips inline bank detail fields."
},
"swiftCode": {
"type": "string",
"description": "BIC/SWIFT code of beneficiary bank (required for internationalWire without recipientId). E.g. \"BARCGB22\" for Barclays UK."
},
"bankName": {
"type": "string",
"description": "Beneficiary bank name (e.g. \"Barclays Bank UK PLC\")."
},
"bankAddress": {
"type": "string",
"description": "Beneficiary bank street address."
},
"bankCity": {
"type": "string",
"description": "Beneficiary bank city."
},
"bankCountry": {
"type": "string",
"description": "Beneficiary bank country — ISO 3166-1 alpha-2 (e.g. \"GB\", \"DE\", \"SG\")."
},
"recipientAddress": {
"type": "string",
"description": "Beneficiary street address."
},
"recipientCity": {
"type": "string",
"description": "Beneficiary city."
},
"recipientCountry": {
"type": "string",
"description": "Beneficiary country — ISO 3166-1 alpha-2."
},
"recipientPostalCode": {
"type": "string",
"description": "Beneficiary postal code."
}
},
"required": [
"accountId",
"amount"
]
}