Mercury Embed AI vs Puzzle vs Digits vs Rillet
A side-by-side look at scores, pricing and features — with RECATOOLS' ASEAN-aware verdict for each.
Mercury Embed AI
Startup banking with an AI agent for treasury and books
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Puzzle
AI-native general ledger with real-time burn and runway
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Digits
AI-native GL with outcome-based pricing for accounting firms
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Rillet
AI-native ERP that automates the general ledger and month-end close fo...
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| RECATOOLS Score | 7.6 / 10 | 7 / 10 | 7.1 / 10 | 7 / 10 |
| Capability | — | |||
| Value for money | — | |||
| Ease of use | — | |||
| ASEAN readiness | — | |||
| API quality | — | |||
| Pricing | Freemium | Freemium | Freemium | Subscription |
| Free tier | — | — | — | — |
| Paid from | — | — | — | Custom pricing (contact sales) |
| Has API | ✓ | ✗ | ✓ | ✗ |
| Open source | ✗ | ✗ | ✗ | ✗ |
| Free to use | ✓ | ✓ | ✗ | ✗ |
| Users | — | — | — | 200+ customers |
| Founded | 2024 | — | — | 2024 |
| Maker | — | — | — | Nicolas Kopp |
| Verdict | Command, launched in 2026 and built on GPT-5.5, is Mercury's answer to the agentic-banking trend: a chat interface for checking balances, categorizing transactions, issuing cards and drafting invoices without leaving the... |
Puzzle's real pitch isn't automation for its own sake, it's real-time: instead of finding out your burn rate at month-end close, Puzzle updates continuously as transactions land from Stripe, Brex, Mercury, Ramp, and simi... |
Digits is the most developer-friendly general ledger in this category, and it knows it: a free, open API plus an MCP server means an AI assistant can query a company's books directly, something QuickBooks and Xero don't... |
What this is for: Automating core accounting and the general ledger — reconciliations, revenue, and month-end close — inside an AI-native ERP. Who this is for: Finance and accounting teams at mid-market and high-growth... |
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Comparisons cover up to 4 tools. Scores are RECATOOLS editorial assessments; verify current pricing on each vendor's site.