CLI Reference - 0 Finance Docs

Overview

The zero CLI provides full access to 0 Finance from your terminal. All commands output JSON for easy scripting and piping.

zero <command> [subcommand] [options]

You can also use the alias zero-bank.

Transfers, savings actions, and crypto moves create proposals that require dashboard approval.

Authentication

`zero auth connect`

Open the browser to connect the CLI and store the API key automatically.

zero auth
zero auth connect
zero login

Option	Required	Description
`--base-url`	No	Base URL (default: `https://www.0.finance`)
`--no-browser`	No	Print URL instead of opening a browser
`--manual`	No	Skip callback and paste the API key manually

Store your API key and configure the CLI manually.

zero auth login --api-key sk_live_xxx
zero auth login --api-key sk_live_xxx --base-url https://custom.0.finance

Option	Required	Description
`--api-key`	Yes	Your workspace API key
`--base-url`	No	API base URL (default: `https://www.0.finance`)

`zero auth whoami`

Show the current workspace context.

zero auth whoami

`zero auth logout`

Remove stored credentials.

zero auth logout

Configuration

`zero config show`

Show the current config path, base URL, and key prefix.

zero config show

`zero config set`

Update stored configuration values.

zero config set --base-url http://localhost:3050
zero config set --api-key sk_live_xxx

Debugging

Use --debug to see request URLs and the base URL being used.

zero --debug auth whoami

Balance

`zero balance`

Show your spendable, earning, and idle USDC balances on Base.

zero balance

Output:

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

Use zero savings positions to include vault-level breakdowns.

Bank Accounts

`zero bank accounts list`

List all saved bank accounts.

zero bank accounts list

`zero bank accounts create`

Create a saved bank account from a JSON file.

zero bank accounts create --json ./account.json

account.json (IBAN example):

{
  "account_name": "Acme EUR",
  "bank_name": "Commerzbank",
  "account_holder_type": "business",
  "account_holder_business_name": "Acme Corp",
  "country": "DE",
  "city": "Berlin",
  "street_line_1": "Friedrichstr. 1",
  "postal_code": "10117",
  "account_type": "iban",
  "iban_number": "DE89370400440532013000",
  "bic_swift": "COBADEFFXXX",
  "is_default": true
}

For US accounts, set account_type to "us" and include account_number and routing_number. For individual accounts, provide account_holder_first_name and account_holder_last_name.

Bank Transfers

`zero bank transfers propose`

Propose a bank transfer for approval.

zero bank transfers propose \
  --amount 1000 \
  --currency usd \
  --bank-account-id ba_xxx \
  --reason "Contractor payment for January"

Option	Required	Description
`--amount`	Yes	Amount in USDC
`--currency`	Yes	Destination currency (`usd` or `eur`)
`--bank-account-id`	Yes	Saved bank account ID
`--reason`	No	Reason for the transfer

IBAN accounts require --currency eur. US bank accounts require --currency usd.

Transfers create proposals that require approval in the dashboard before executing.

Transfers require completed KYC. If KYC is missing, the command returns an error asking the user to complete verification.

`zero bank proposals list`

List pending transfer proposals.

zero bank proposals list
zero bank proposals list --include-completed

Option	Description
`--include-completed`	Include completed proposals

`zero bank proposals dismiss`

Dismiss a transfer proposal.

zero bank proposals dismiss --proposal-id prop_xxx

Invoices

`zero invoices create`

Create a new invoice.

zero invoices create \
  --recipient-email client@example.com \
  --recipient-name "Acme Corp" \
  --amount 2500 \
  --currency USD \
  --description "Q1 consulting services" \
  --due-date 2026-02-15 \
  --notes "Payment terms: Net 30"

Option	Required	Description
`--recipient-email`	Yes	Client’s email address
`--recipient-name`	No	Client’s name
`--amount`	Yes	Invoice amount
`--currency`	Yes	Currency code (USD, EUR, etc.)
`--description`	Yes	Line item description
`--due-date`	No	Due date (YYYY-MM-DD)
`--notes`	No	Additional notes

`zero invoices list`

List invoices with optional filters.

zero invoices list
zero invoices list --status pending --limit 10

Option	Description
`--status`	Filter by status (`db_pending`, `pending`, `paid`, `canceled`)
`--limit`	Maximum number of results

`zero invoices get`

Get a specific invoice.

zero invoices get --invoice-id inv_xxx

`zero invoices update`

Update an existing invoice.

zero invoices update \
  --invoice-id inv_xxx \
  --amount 3000 \
  --description "Updated scope"

Option	Required	Description
`--invoice-id`	Yes	Invoice ID
`--recipient-email`	No	Update recipient email
`--recipient-name`	No	Update recipient name
`--amount`	No	Update amount
`--currency`	No	Update currency
`--description`	No	Update description

`zero invoices send`

Send an invoice to the recipient.

zero invoices send --invoice-id inv_xxx

Transactions

`zero transactions list`

List transaction history.

zero transactions list
zero transactions list --status completed --limit 50

Option	Description
`--status`	Filter by status (`pending`, `completed`, `failed`)
`--limit`	Maximum number of results

`zero transactions get`

Get transaction details.

zero transactions get --transaction-id tx_xxx

Attachments

`zero attachments add`

Attach a file to a transaction.

zero attachments add \
  --transaction-id tx_xxx \
  --transaction-type offramp \
  --file ./receipt.pdf

Option	Required	Description
`--transaction-id`	Yes	Transaction ID
`--transaction-type`	Yes	Transaction type (`offramp` or `invoice`)
`--type`	No	Alias for `--transaction-type`
`--file`	Yes	Path to file
`--content-type`	No	MIME type (auto-detected if omitted)

`zero attachments list`

List attachments.

zero attachments list
zero attachments list --transaction-id tx_xxx

Option	Description
`--transaction-id`	Filter by transaction ID
`--transaction-type`	Filter by type (`offramp` or `invoice`)
`--limit`	Maximum number of results

`zero attachments remove`

Remove an attachment.

zero attachments remove --attachment-id att_xxx

Payment Details

`zero payment-details show`

Show payment details for receiving funds (USD ACH + EUR IBAN).

zero payment-details show

Output:

{
  "payment_details": {
    "hasAccounts": true,
    "accountTier": "full",
    "hasCompletedKyc": true,
    "usdAccount": {
      "type": "us_ach",
      "currency": "USD",
      "bankName": "Mercury",
      "routingNumber": "123456789",
      "accountNumber": "000123456789",
      "beneficiaryName": "0 Finance FBO Jane Doe"
    },
    "eurAccount": {
      "type": "iban",
      "currency": "EUR",
      "bankName": "Commerzbank",
      "iban": "DE89370400440532013000",
      "bicSwift": "COBADEFFXXX",
      "beneficiaryName": "0 Finance FBO Jane Doe"
    },
    "workspaceInfo": {
      "companyName": "Acme Corp",
      "firstName": "Jane",
      "lastName": "Doe"
    }
  },
  "message": "These are the bank account details for receiving payments."
}

Email your payment details to someone.

zero payment-details share \
  --recipient-email accountant@example.com \
  --recipient-name "Jane Smith"

Crypto Transfers

`zero crypto transfers propose`

Propose a crypto transfer.

zero crypto transfers propose \
  --to 0x742d35Cc6634C0532925a3b844Bc9e7595f... \
  --token-address 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 \
  --amount 100 \
  --token-symbol USDC \
  --token-decimals 6 \
  --chain-id 8453 \
  --reason "Partner payment"

Option	Required	Description
`--to`	Yes	Recipient wallet address
`--token-address`	Yes	Token contract address
`--amount`	Yes	Token amount
`--token-symbol`	No	Token symbol (e.g., USDC)
`--token-decimals`	No*	Token decimals (required for non-USDC tokens)
`--chain-id`	No	Chain ID (defaults to 8453/Base if omitted)
`--reason`	No	Reason for transfer

If --token-address is the Base USDC contract, you can omit --token-decimals and it will default to 6.

`zero crypto proposals list`

List crypto transfer proposals.

zero crypto proposals list
zero crypto proposals list --include-completed

Option	Description
`--include-completed`	Include completed proposals

`zero crypto proposals dismiss`

Dismiss a crypto proposal.

zero crypto proposals dismiss --proposal-id prop_xxx

Savings

`zero vaults list`

List supported yield vaults.

zero vaults list

`zero savings deposits propose`

Propose a deposit into a yield vault.

zero savings deposits propose \
  --vault-address 0x... \
  --amount 1000 \
  --reason "Earning yield on idle funds"

`zero savings withdrawals propose`

Propose a withdrawal from a yield vault.

zero savings withdrawals propose \
  --vault-address 0x... \
  --amount 500 \
  --reason "Need funds for payment"

Vault addresses must come from zero vaults list (Base USDC vaults).

`zero savings proposals list`

List savings proposals.

zero savings proposals list
zero savings proposals list --include-completed

Option	Description
`--include-completed`	Include completed proposals

`zero savings positions`

Show idle balance, earning balance, and vault positions.

zero savings positions

Output:

{
  "idle_balance": "420.50",
  "earning_balance": "2000.00",
  "spendable_balance": "2420.50",
  "safe_address": "0x954A329e1e59101DF529CC54A54666A0b36Cae22",
  "chain": "base",
  "vault_positions": [
    {
      "vault_address": "0x...",
      "vault_name": "Morpho USDC",
      "balance_usd": 2000
    }
  ]
}

Admin Commands

Admin commands require an admin token. Set ZERO_FINANCE_ADMIN_TOKEN or use --admin-token.

`zero users create`

Provision a new user.

zero users create \
  --email user@example.com \
  --admin-token adm_xxx

Option	Required	Description
`--email`	Yes*	User email (required if no phone)
`--phone`	Yes*	User phone (required if no email)
`--wallets-json`	No	Path to wallets JSON array
`--admin-token`	No	Admin token (or set `ZERO_FINANCE_ADMIN_TOKEN`)

`zero users show`

Get user details.

zero users show --user-id did:privy:xxx --admin-token adm_xxx

`zero users wallets pregenerate`

Pregenerate wallets for a user.

zero users wallets pregenerate \
  --user-id did:privy:xxx \
  --wallets-json ./wallets.json \
  --admin-token adm_xxx

Option	Required	Description
`--user-id`	Yes	Privy user DID
`--wallets-json`	No	Path to wallets JSON array
`--admin-token`	No	Admin token (or set `ZERO_FINANCE_ADMIN_TOKEN`)

`zero api-keys create`

Create an API key for a workspace.

zero api-keys create \
  --workspace-id ws_xxx \
  --created-by did:privy:xxx \
  --name "Production API Key" \
  --admin-token adm_xxx

Option	Required	Description
`--workspace-id`	Yes	Workspace ID
`--created-by`	Yes	Privy user DID that owns the key
`--name`	No	Friendly name for the key
`--expires-at`	No	ISO expiration date (e.g. `2026-12-31`)
`--admin-token`	No	Admin token (or set `ZERO_FINANCE_ADMIN_TOKEN`)

Tips

JSON output

All commands output JSON. Pipe to jq for formatting:

zero balance | jq .spendable_balance

Scripting

Use the CLI in scripts:

#!/bin/bash
BALANCE=$(zero balance | jq -r .spendable_balance)
if (( $(echo "$BALANCE > 10000" | bc -l) )); then
  zero savings deposits propose \
    --vault-address 0x... \
    --amount 5000 \
    --reason "Auto-deposit excess funds"
fi

Error handling

Non-zero exit codes indicate errors. Error messages are printed to stderr:

zero invoices get --invoice-id invalid_id || echo "Invoice not found"

​Overview

​Authentication

​zero auth connect

​zero auth login

​zero auth whoami

​zero auth logout

​Configuration

​zero config show

​zero config set

​Debugging

​Balance

​zero balance

​Bank Accounts

​zero bank accounts list

​zero bank accounts create

​Bank Transfers

​zero bank transfers propose

​zero bank proposals list

​zero bank proposals dismiss

​Invoices

​zero invoices create

​zero invoices list

​zero invoices get

​zero invoices update

​zero invoices send

​Transactions

​zero transactions list

​zero transactions get

​Attachments

​zero attachments add

​zero attachments list

​zero attachments remove

​Payment Details

​zero payment-details show

​zero payment-details share

​Crypto Transfers

​zero crypto transfers propose

​zero crypto proposals list

​zero crypto proposals dismiss

​Savings

​zero vaults list

​zero savings deposits propose

​zero savings withdrawals propose

​zero savings proposals list

​zero savings positions

​Admin Commands

​zero users create

​zero users show

​zero users wallets pregenerate

​zero api-keys create

​Tips

​JSON output

​Scripting

​Error handling

Overview

Authentication

`zero auth connect`

`zero auth login`

`zero auth whoami`

`zero auth logout`

Configuration

`zero config show`

`zero config set`

Debugging

Balance

`zero balance`

Bank Accounts

`zero bank accounts list`

`zero bank accounts create`

Bank Transfers

`zero bank transfers propose`

`zero bank proposals list`

`zero bank proposals dismiss`

Invoices

`zero invoices create`

`zero invoices list`

`zero invoices get`

`zero invoices update`

`zero invoices send`

Transactions

`zero transactions list`

`zero transactions get`

Attachments

`zero attachments add`

`zero attachments list`

`zero attachments remove`

Payment Details

`zero payment-details show`

`zero payment-details share`

Crypto Transfers

`zero crypto transfers propose`

`zero crypto proposals list`

`zero crypto proposals dismiss`

Savings

`zero vaults list`

`zero savings deposits propose`

`zero savings withdrawals propose`

`zero savings proposals list`

`zero savings positions`

Admin Commands

`zero users create`

`zero users show`

`zero users wallets pregenerate`

`zero api-keys create`

Tips

JSON output

Scripting

Error handling