> ## 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.

# MCP for AI Agents

> Let AI agents manage your finances with human approval

## 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

<Info>
  All transfers require human approval in the dashboard. Your AI agent can
  propose actions, but you stay in control.
</Info>

***

## Quick setup

Add this to your MCP client configuration:

<Tabs>
  <Tab title="Cursor">
    Add to `~/.cursor/mcp.json`:

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

  <Tab title="Claude Code">
    Add to `~/.claude/claude_desktop_config.json`:

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

  <Tab title="Windsurf">
    Add to `~/.codeium/windsurf/mcp_config.json`:

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

Replace `sk_live_xxx` with your API key from [Settings → API Keys](https://0.finance/settings).

***

## Available tools

| Tool                       | Description                    |
| -------------------------- | ------------------------------ |
| `list_saved_bank_accounts` | List saved bank accounts       |
| `get_balance`              | Get spendable USDC balance     |
| `propose_bank_transfer`    | Propose an outbound transfer   |
| `list_proposals`           | List transfer proposals        |
| `dismiss_proposal`         | Dismiss a proposal             |
| `create_bank_account`      | Save a new bank account        |
| `create_invoice`           | Create a new invoice           |
| `update_invoice`           | Update an invoice              |
| `list_invoices`            | List invoices                  |
| `get_invoice`              | Get invoice details            |
| `send_invoice`             | Send invoice to recipient      |
| `list_transactions`        | List transaction history       |
| `get_transaction`          | Get transaction details        |
| `attach_document`          | Attach a file to a transaction |
| `list_attachments`         | List attachments               |
| `remove_attachment`        | Remove an attachment           |
| `get_payment_details`      | Get IBAN/ACH receiving details |
| `share_payment_details`    | Email payment details          |

<Info>
  MCP currently focuses on bank transfers and invoices. For crypto transfers and
  savings actions, use the CLI or HTTP API.
</Info>

***

## Starter prompt

Add this to your AI client's system prompt for best results:

```text theme={null}
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.
```

***

## 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?

***

## 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

<Warning>
  Never share your API key. It provides full read access and can create
  proposals on your behalf.
</Warning>

***

## Client-specific guides

<CardGroup cols={3}>
  <Card title="Cursor" icon="code" href="/mcp/cursor">
    Detailed Cursor setup
  </Card>

  <Card title="Claude Code" icon="message-bot" href="/mcp/claude-code">
    Claude Desktop setup
  </Card>

  <Card title="Windsurf" icon="wind" href="/mcp/windsurf">
    Windsurf setup
  </Card>
</CardGroup>