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Prerequisites

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Step 1: Create the config file

Create or edit ~/.cursor/mcp.json: 
{
  "mcpServers": {
    "zero-finance": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://0.finance/api/mcp"],
      "env": {
        "API_KEY": "sk_live_your_api_key_here"
      }
    }
  }
}

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Step 2: Restart Cursor

Quit and reopen Cursor to load the new MCP server.

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Step 3: Verify

In a new chat, ask Cursor to check your balance: 
Check my 0 Finance balance
Cursor should call get_balance and show your USDC balance.

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Add the starter prompt

For best results, add this to your Cursor rules (.cursorrules or project settings): 
When using 0 Finance tools:
- Always call get_balance before proposing transfers
- Never claim funds have moved—transfers require dashboard approval
- Confirm amounts and recipients before creating proposals

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Available tools

Once connected, Cursor has access to these tools:
ToolDescription
get_balanceGet spendable USDC balance
list_saved_bank_accountsList saved bank accounts
propose_bank_transferPropose an outbound transfer
create_invoiceCreate a new invoice
send_invoiceSend invoice to recipient
list_invoicesList invoices
get_payment_detailsGet IBAN/ACH receiving details
share_payment_detailsEmail payment details
See the full tool list for all available tools.

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Troubleshooting

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”MCP server not found”

  1. Check that ~/.cursor/mcp.json exists and is valid JSON
  2. Verify npx is available in your PATH
  3. Restart Cursor

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”Authentication failed”

  1. Verify your API key is correct
  2. Check the key hasn’t expired in Settings → API Keys
  3. Ensure there are no extra spaces in the key

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”Tool call failed”

Check the Cursor output panel for error messages. Common issues:
  • Rate limiting (wait and retry)
  • Invalid parameters (check the tool documentation)
  • Network issues (verify internet connection)