Introduction - 0 Finance Docs

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 client@example.com \
  --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 client@acme.com \
  --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

Authenticate — Use zero auth connect (or zero auth login with an API key).
Execute commands — Read operations happen instantly. Transfers and withdrawals create proposals.
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

Section	What’s inside
CLI	Installation, authentication, command reference
MCP	AI agent setup for Cursor, Claude Code, Windsurf
API Reference	HTTP endpoints for custom integrations

​What is 0 Finance?

​Quick start

Install the CLI

CLI Reference

MCP for AI agents

API Reference

​What you can do

​Check your balance

​Create and send invoices

​Propose a bank transfer

​Manage savings

​How it works

​For AI agents

​Documentation map

What is 0 Finance?

Quick start

What you can do

Check your balance

Create and send invoices

Propose a bank transfer

Manage savings

How it works

For AI agents

Documentation map