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Is mercuryo.io a Scam? Security Check Results - Mercuryo Reviews

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Is mercuryo.io Safe? Security Analysis for Mercuryo

Check if mercuryo.io is a scam or legitimate. Free security scan and reviews.

TechnologyCanadamedium
ReactNext.jsWebpackGoogle Tag ManagerAWS DNS hosting
Analyzed 9/7/2025Completed 10:44:02 AM
72
Security Score
MEDIUM RISK

AI Summary

Mercuryo is a fintech company specializing in providing seamless payment gateway solutions tailored for the web3 and cryptocurrency ecosystem. Established in 2018, it has grown to serve over 200 leading web3 companies globally, offering services such as crypto on-ramp, off-ramp, and co-branded crypto spending cards. The company operates multiple registered entities across Canada, Croatia, Spain, the UK, and the US, demonstrating strong regulatory compliance and a global footprint. Their platform supports over 30 cryptocurrencies and multiple blockchains, positioning them as a versatile player in the crypto payments space. From a technical perspective, Mercuryo employs modern web technologies including React and Next.js, hosted on AWS infrastructure, ensuring fast performance and excellent mobile optimization. The website is well-structured with comprehensive legal and product information, reflecting a mature digital presence. Analytics and marketing tools like Google Tag Manager are used responsibly with privacy compliance in mind. Security-wise, the site enforces HTTPS and domain registration protections, though it lacks some advanced security headers and published security policies. No vulnerabilities or exposed sensitive data were detected. The domain WHOIS is privacy protected but consistent with the company's business profile and history, supporting legitimacy. Overall, Mercuryo demonstrates a solid security posture with room for improvement in transparency and security policy publication. The overall risk assessment is low, with the company showing strong business credibility and technical maturity. Strategic recommendations include enabling DNSSEC, publishing a formal security policy and incident response contacts, and establishing a vulnerability disclosure program to enhance trust and security culture further.

Detected Technologies

ReactNext.jsWebpackGoogle Tag ManagerAWS DNS hosting

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Mercuryo occupies a strong position in the fintech and crypto payment gateway market, targeting web3 companies and crypto users worldwide. Its business model combines B2B and B2C services, including on-ramp crypto purchases, virtual co-branded cards, and multi-chain payment processing. Revenue streams include transaction fees and partner revenue sharing. The company’s partnership ecosystem includes regulatory bodies and global offices, supporting scalability and compliance. Growth indicators such as 7 million users onboarded and 15 million revenue generated for partners highlight operational success. Mercuryo’s strategic focus on multi-chain support and developer tools positions it well for future web3 expansion.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

Mercuryo exhibits a mature security posture with mandatory HTTPS, domain status protections, and no visible security flaws in the website content. Regulatory registrations with FCA, FINTRAC, and HANFA indicate compliance with financial security standards. However, the absence of published security policies, incident response contacts, and vulnerability disclosure mechanisms represents gaps in transparency and readiness. The lack of DNSSEC and security headers like CSP or X-Frame-Options suggests opportunities to strengthen defenses against DNS attacks and clickjacking. Overall, the security culture appears solid but could benefit from enhanced communication and formalized security governance.

Strategic Recommendations

Priority Actions for Security Improvement

1

Enable DNSSEC on the domain to protect against DNS spoofing and improve overall DNS security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Mercuryo

Description:

Mercuryo provides seamless enterprise payment gateway solutions focused on web3 businesses, enabling crypto payments, on-ramp and off-ramp services, co-branded crypto spending cards, and multi-chain support.

Key Services:
On Ramp (crypto buying and onboarding)Spend (virtual co-branded crypto cards)Multi-chain crypto payment processingCustom payment solutions for web3
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsWebpackGoogle Tag ManagerAWS DNS hosting
Frameworks:
Next.js
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Domain status includes clientDeleteProhibited etc to prevent unauthorized changes
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics & Tracking

Services:
Google Analytics (via Google Tag Manager)
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:basic

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is a professional fintech payment gateway focused on web3 and crypto.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

60/100
Score

Weak X-Frame-Options configuration

LOW

Current value: "DENY, DENY"

Weak X-Content-Type-Options configuration

LOW

Current value: "nosniff, nosniff"

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

68/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

95/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:spf.protection.outlook.com include:mail.zendesk.com mx -all
DNS Lookups:3/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:mail(1296-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject
Subdomain Policy:reject
Aggregate Reports:d-rua@mercuryo.io
Forensic Reports:d-ruf@mercuryo.io
MTA-STS Details
Mode:enforce
Max Age:1 days

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

90/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Registration Details

Domain Age
7 years(mature)
Expiry Risk
none(558 days)
Protection Level
strongDNSSEC OFF
Suspicious Indicators Detected
  • Privacy/proxy registration detected

DNS Records

A Records:18.158.71.177, 3.120.68.244, 18.198.176.67
Name Servers:
ns-1161.awsdns-17.org
ns-1964.awsdns-53.co.uk
ns-483.awsdns-60.com
ns-873.awsdns-45.net
MX Records:
0: mercuryo-io.mail.protection.outlook.com
SOA:Serial: 1, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:503ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com include:mail.zendesk.com mx -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using modern web technologies including React and Next.js, leveraging server-side rendering for performance. Hosting is managed via AWS DNS services, ensuring reliability and scalability. The site demonstrates fast loading times, excellent mobile responsiveness, and good SEO practices with proper meta tags and Open Graph data. No CMS was detected, indicating a custom or framework-based solution. The use of Google Tag Manager facilitates analytics and marketing integration. Technical debt appears minimal, but adding accessibility improvements and security headers would further modernize the platform and reduce risk.
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