Skip to main content

​
What is 0 Finance?

0 Finance is a bank account built for the AI era:
  • Get paid easily — Create invoices in seconds and receive payments to your personal IBAN or ACH account.
  • Spend anywhere — Use a debit card worldwide with 0% conversion fees.
  • Optimize yield — AI automatically allocates idle funds to the highest-yielding opportunities.
Everything is programmable through the zero CLI (alias: zero-bank) — check balances, send invoices, propose transfers, and manage savings from your terminal.

​
Quick start

# Install the CLI
curl -fsSL https://zerofinance.ai/install | bash

# Or: bun add -g agent-bank

# Connect the CLI (opens a browser)
zero auth connect

# Or: zero auth login --api-key sk_live_xxx
# Debug request URLs:
# zero --debug auth whoami

# Check your balance
zero balance

# Create and send an invoice
zero invoices create \
  --recipient-email [email protected] \
  --amount 1000 \
  --currency USD \
  --description "Consulting services"
zero invoices send --invoice-id inv_xxx

Install the CLI

Get up and running with the zero CLI in under a minute.

CLI Reference

Complete command reference with examples.

MCP for AI agents

Let AI agents manage your finances with human approval.

API Reference

Direct HTTP API access for custom integrations.

​
What you can do

​
Check your balance

zero balance

{
  "idle_balance": "3200.00",
  "earning_balance": "4220.50",
  "spendable_balance": "7420.50",
  "safe_address": "0x954A329e1e59101DF529CC54A54666A0b36Cae22",
  "chain": "base"
}

​
Create and send invoices

# Create an invoice
zero invoices create \
  --recipient-email [email protected] \
  --recipient-name "Acme Corp" \
  --amount 2500 \
  --currency USD \
  --description "Q1 consulting"

# Send it
zero invoices send --invoice-id inv_xxx

​
Propose a bank transfer

# List your saved bank accounts
zero bank accounts list

# Propose a transfer (requires dashboard approval)
zero bank transfers propose \
  --amount 1000 \
  --currency usd \
  --bank-account-id ba_xxx \
  --reason "Contractor payment"

​
Manage savings

# View available vaults
zero vaults list

# Deposit into a yield vault
zero savings deposits propose \
  --vault-address 0x... \
  --amount 500 \
  --reason "Earning yield on idle funds"

# Check your positions
zero savings positions

​
How it works

  1. Authenticate — Use zero auth connect (or zero auth login with an API key).
  2. Execute commands — Read operations happen instantly. Transfers and withdrawals create proposals.
  3. Approve in dashboard — Proposals require human approval before executing. This keeps you in control.
The CLI never moves money without your explicit approval in the 0 Finance dashboard.

​
For AI agents

Connect your AI assistant to 0 Finance using the MCP server. Your agent can check balances, create invoices, and propose transfers — but all outbound payments still require your approval. 
{
  "mcpServers": {
    "zero-finance": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://0.finance/api/mcp"],
      "env": {
        "API_KEY": "sk_live_xxx"
      }
    }
  }
}
MCP currently supports bank transfers, invoices, attachments, and payment details. For crypto transfers and savings, use the CLI or HTTP API.
See MCP setup for detailed instructions.

​
Documentation map

SectionWhat’s inside
CLIInstallation, authentication, command reference
MCPAI agent setup for Cursor, Claude Code, Windsurf
API ReferenceHTTP endpoints for custom integrations