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Prerequisites

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Step 1: Create the config file

Create or edit ~/.codeium/windsurf/mcp_config.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 Windsurf

Quit and reopen Windsurf to load the new MCP server.

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Step 3: Verify

In Cascade, ask Windsurf to check your balance: 
Check my 0 Finance balance
Windsurf should call get_balance and display your USDC balance.

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Available tools

Once connected, Windsurf has access to all 0 Finance 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 ~/.codeium/windsurf/mcp_config.json exists
  2. Verify the JSON is valid
  3. Restart Windsurf

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”Authentication error”

  1. Verify your API key in the config
  2. Check the key is active in Settings → API Keys

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Cascade not finding tools

  1. Make sure you’re using Cascade (the AI assistant)
  2. Try explicitly asking “Use the 0 Finance tools to check my balance”
  3. Restart Windsurf if tools aren’t appearing