[molsongolden]

I'll also note that I have multiple Mercury accounts and part of the way they have mitigated the risk of easier account opening and taking on higher risk customers is that they impose fairly low transaction limits on new customers and limit the ability to write checks without going through their platform. There are probably other similar limitations that I haven't hit yet.

These are annoying, especially if you don't know you are going to encounter them and a transaction gets held up, but they make sense for offsetting risk while speeding up account opening and expanding the profiles of customers you take on.