> ## Documentation Index
> Fetch the complete documentation index at: https://docs.0.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Manage your finances from the command line with the 0 Finance CLI

## 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

```bash theme={null}
# 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
```

<CardGroup cols={2}>
  <Card title="Install the CLI" icon="terminal" href="/cli/installation">
    Get up and running with the `zero` CLI in under a minute.
  </Card>

  <Card title="CLI Reference" icon="book" href="/cli/reference">
    Complete command reference with examples.
  </Card>

  <Card title="MCP for AI agents" icon="bolt" href="/mcp/overview">
    Let AI agents manage your finances with human approval.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/introduction">
    Direct HTTP API access for custom integrations.
  </Card>
</CardGroup>

***

## What you can do

### Check your balance

```bash theme={null}
zero balance
```

```json theme={null}
{
  "idle_balance": "3200.00",
  "earning_balance": "4220.50",
  "spendable_balance": "7420.50",
  "safe_address": "0x954A329e1e59101DF529CC54A54666A0b36Cae22",
  "chain": "base"
}
```

### Create and send invoices

```bash theme={null}
# 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

```bash theme={null}
# 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

```bash theme={null}
# 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.

<Info>
  The CLI never moves money without your explicit approval in the 0 Finance
  dashboard.
</Info>

***

## 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.

```json theme={null}
{
  "mcpServers": {
    "zero-finance": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://0.finance/api/mcp"],
      "env": {
        "API_KEY": "sk_live_xxx"
      }
    }
  }
}
```

<Info>
  MCP currently supports bank transfers, invoices, attachments, and payment
  details. For crypto transfers and savings, use the CLI or HTTP API.
</Info>

See [MCP setup](/mcp/overview) 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           |