Earning

Who We Are

The Bank

The Bank:

We are MERCO. Technology and Finance, in real time

MERCO Bank is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances.
MERCO's disruptive banking platform reimagines traditional banking with adaptive lending and innovative deposit products that transcend legacy banking inequities

The perfect symbiosis of Technology, Blockchain and Banking – we at MERCO Bank pursue the mission of redefining finance for the new economy by building a pioneering technological bridge between the digital and traditional asset worlds.

  • Long-Term Investment Time Horizon
  • Transparent and Open Research Ecosystem
  • Sole Focus on Disruptive Innovation
  • Experienced Investment Leadership
  • Real-time spending overview
  • Simple & Convenient
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Building Wealth / Managing Risk

We orchestrate the entire account management process for our clients, working as a single point of contact with all your service providers to create a comprehensive plan. We develop customized strategies for each client to ensure that they have the greatest opportunity to achieve their unique goals and objectives. Our team has substantial experience in every aspect of managing and building wealth to ensure that we are able to execute our client's financial plans effectively and efficiently.

Building Wealth / Managing Risk

We orchestrate the entire account management process for our clients, working as a single point of contact with all your service providers to create a comprehensive plan. We develop customized strategies for each client to ensure that they have the greatest opportunity to achieve their unique goals and objectives. Our team has substantial experience in every aspect of managing and building wealth to ensure that we are able to execute our client's financial plans effectively and efficiently.

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Technology for Better Banking

We are passionate about helping financial institutions of all sizes, in all sectors, around the world, to dramatically accelerate their digital transformation.

Temenos software is proven to enable its top-performing clients to achieve industry-leading cost-income ratios of 26.8% and returns on equity of 29.0%, 3X better than the industry average. These clients also invest over 51% of their IT budget on growth and innovation versus maintenance, which is 2X the industry average, proving the banks' IT investment is adding tangible value to their business.

Our products combine the richest end-to-end packaged country model bank functionality and the most advanced cloud-native, cloud-agnostic, AI and API-first technology, helping our clients go live faster, giving them the freedom to innovate and deliver personalized experiences.

With the largest global community of banks, FinTechs, developers and partners, we are bound by the belief that working together will make banking better.

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Building the Internet of money

As one of the largest and oldest Digital Banking in the world, MERCO Bank is consistently named one of the best places to stake, save, loan, trade, invest online, thanks to our excellent service, low fees, versatile funding options and rigorous security standards -- but this is only part of the story. We've been on the forefront of the blockchain revolution since 2017.

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Meet our team

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James Anderson

Founder & Chief Executive Officer

Schnall has been instrumental in the acceleration and growth of MERCO since inception. He has transformed the bank into a profitable, well-capitalized, philanthropic, digital financial institution which does business in all 50 states.

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Sarah Taylor

Chief Administrative Officer

Donna Hubert is a seasoned banking executive with deep expertise in bank operations, compliance, administration and management that has been honed with three decades of bank industry experience after serving in a myriad of professional positions.

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Steven Smith

Chief Technology Officer

Felix will utilize his 22+ years of diverse IT knowledge and experience to develop and implement MERCO's technological vision. He will work with our IT team to ensure that our technical resources are aligned with our business needs.

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John Capabel

Chief Marketing Officer

Aaron is focused on using data to clarify and connect our business goals with a customized digital marketing strategy, using his experience and at startups to ignite a high-performing marketing team that extracts insights from data to drive growth.

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Join the MERCO tribe

It's time to live that life of convenience, freedom and control you have always wanted. Open a MERCO Bank and signup in a few minutes to join the MERCO tribe now.