Kenny, this is so stupid that it gives me heart murmurs. Where would your "Merpanda" even live?
In the forest, its aquatic fish tail would get scraped, cut and bruised while being dragged along jagged rocks.
And in sea, the strength of the bear's forearms—used for climbing trees and foraging for food—would be utterly useless. But you know all about being useless, don't you Kenny?