Mercury Business Bank - Application Prep

Mercury sign-up URL: https://mercury.com/ Approval window: 1-3 business days after submission Blocking dependency: EIN letter from IRS (obtainable instantly after WY entity ID arrives)

What Mercury requires at submission

1. Legal entity name: NuroPicks LLC

2. State of formation: Wyoming

3. Date of formation: 2026-04-20 (filing date); entity ID + confirmation date assigned by WY

4. EIN: [paste from IRS PDF once issued]

5. Business address: Northwest Registered Agent WY street address (from LLC packet) or David's VA address

6. Phone: [from reference_david_phone.md]

7. Website: https://nuropicks.com

8. Business description (Mercury field):

   Online sports media and affiliate marketing company. Operates nuropicks.com, a subscription-based sports analysis and education platform. Revenue sources: subscription memberships (via Whop payment processor) and sportsbook affiliate referral commissions. Not a sportsbook; does not accept wagers or hold customer funds.

   Critical: Describe as "sports media and affiliate marketing," NOT "sports betting" or "gambling." Mercury has triggered on those exact phrases historically per our LLC packet.

9. Expected monthly transaction volume (estimate): $2,000-$5,000 during alpha, scaling to $10k+ at revenue

10. Owner information:

    • David Olverson (100% owner)
    • Address, SSN, DOB, phone, email ready

11. Documents to upload:

    • Wyoming Articles of Organization confirmation PDF (from wyobiz.wyo.gov post-filing)
    • IRS EIN assignment letter (from irs.gov/ein)
    • David's government ID (driver license)

After approval

• Virtual debit card: instant issuance
• Physical debit card: 5-10 business days
• ACH + wire: enabled after first funding
• Routing + account numbers copied into:
  • Whop payouts
  • NOWPayments payout wallet (crypto-to-fiat path)
  • Affiliate program payout info

If Mercury declines

Per LLC packet note: Mercury sometimes declines gambling-adjacent businesses. If declined, alternatives in order:

1. Relay (relayfi.com) - similar feature set, more permissive with gambling-adjacent
2. Found (found.com) - newer, startup-friendly
3. Bluevine (bluevine.com) - traditional-ish online bank, willing to talk
4. Chase Business Complete (last resort, branch visit, has $15/mo fee)

DO NOT

• Mix personal funds with LLC funds once bank is open. Piercing the corporate veil starts with commingling.
• Fund Whop / NOWPayments from personal accounts once LLC exists.