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What is MCP?

The Model Context Protocol (MCP) lets AI assistants connect to external tools and services. The 0 Finance MCP server gives your AI agent access to:
  • Check balances and transaction history
  • Manage invoices (create, update, send)
  • Propose bank transfers for approval
  • Attach receipts and share payment details
All transfers require human approval in the dashboard. Your AI agent can propose actions, but you stay in control.

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Quick setup

Add this to your MCP client configuration:
Add to ~/.cursor/mcp.json:
{
  "mcpServers": {
    "zero-finance": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://0.finance/api/mcp"],
      "env": {
        "API_KEY": "sk_live_xxx"
      }
    }
  }
}
Replace sk_live_xxx with your API key from Settings → API Keys.

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Available tools

ToolDescription
list_saved_bank_accountsList saved bank accounts
get_balanceGet spendable USDC balance
propose_bank_transferPropose an outbound transfer
list_proposalsList transfer proposals
dismiss_proposalDismiss a proposal
create_bank_accountSave a new bank account
create_invoiceCreate a new invoice
update_invoiceUpdate an invoice
list_invoicesList invoices
get_invoiceGet invoice details
send_invoiceSend invoice to recipient
list_transactionsList transaction history
get_transactionGet transaction details
attach_documentAttach a file to a transaction
list_attachmentsList attachments
remove_attachmentRemove an attachment
get_payment_detailsGet IBAN/ACH receiving details
share_payment_detailsEmail payment details
MCP currently focuses on bank transfers and invoices. For crypto transfers and savings actions, use the CLI or HTTP API.

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Starter prompt

Add this to your AI client’s system prompt for best results: 
You are an assistant connected to the 0 Finance MCP server.

## Before proposing transfers
1. Call `get_balance` to check available USDC.
2. Call `list_saved_bank_accounts` to see destination options.

## Transfers
- Use `propose_bank_transfer` to create a transfer proposal.
- Never claim funds have moved—transfers require user approval in the dashboard.
- Use `attach_document` to link invoices or receipts to proposals.

## Invoices
- Use `create_invoice` to draft an invoice.
- Use `send_invoice` to email it to the recipient.
- Use `list_invoices` and `get_invoice` to check status.

## Receiving payments
- Use `get_payment_details` to retrieve the user's IBAN/ACH info.
- Use `share_payment_details` to email those details to a third party.

## Style
- Summarize results clearly.
- Ask before taking destructive or high-value actions.
- Always confirm amounts and recipients before proposing transfers.

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Example conversation

You: Check my balance and pending invoices Agent:
I’ll check your balance and invoices. Balance: 5,420.50 USDC spendable Pending invoices:
  • INV-001: $2,500 from Acme Corp (due Jan 20)
  • INV-002: $1,000 from Beta Inc (overdue)
You: Send a reminder to Beta Inc Agent:
I’ve sent a reminder email to Beta Inc for invoice INV-002 ($1,000).
You: Once that’s paid, move $3,000 to my EUR account Agent:
I’ll propose a transfer of $3,000 to your EUR account (ending in …4521). ⚠️ This transfer requires your approval in the dashboard before it executes. Would you like me to create the proposal?

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Security model

  1. Read operations — Balance, invoices, transactions execute immediately
  2. Transfer proposals — Bank transfers require dashboard approval
  3. Immediate actions — Invoice creation and sending happen instantly
  4. Audit trail — Every action is logged with the API key used
Never share your API key. It provides full read access and can create proposals on your behalf.

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Client-specific guides

Cursor

Detailed Cursor setup

Claude Code

Claude Desktop setup

Windsurf

Windsurf setup