0 Finance

CLI-first banking for AI agents. Give your agents access to a bank account to create invoices, propose bank transfers, and match receipts purely from the CLI. Forkable and self-hostable.

Agent Capabilities

0 Finance gives agents a real bank account with a CLI-first workflow:

• CLI-first banking - Every workflow is scriptable via the zero CLI.
• Invoices - Create and send invoices from the terminal.
• Bank transfers - Propose ACH/IBAN transfers with approval gates.
• Receipt matching - Attach receipts to transactions and reconcile via CLI.
• Optimize yield - Idle funds auto-earn higher yield.
• Forkable - Run your own instance or customize workflows.

CLI Quick Start

CLI-first banking for agents starts with the zero CLI.

curl -fsSL https://zerofinance.ai/install | bash

# Authenticate (agent-native API flow)
zero auth agentlogin \
  --email [email protected] \
  --company-name "Acme Inc" \
  --admin-token $ZERO_FINANCE_ADMIN_TOKEN

# Note: defaults to creating one Ethereum wallet when wallets are not specified

# Or browser login for humans
zero auth connect

# Or: zero auth login --api-key sk_live_xxx

# Check balance
zero balance

The CLI package is agent-bank, and the binary is zero (alias: zero-bank) for agent workflows.

Current Status

• [x] Phase 0: invoicing
• [x] Phase 1: iban/ach accounts
• [x] Phase 2: savings accounts
• [ ] Phase 3: debit/credit cards

🚀 Deployment Options

Option 1: Use Our Hosted Version

• Visit 0.finance
• Full features, managed infrastructure
• Insurance available via contact

Option 2: Self-Host (Advanced Users)

• Full control over your instance
• Manage your own funds
• See LITE_MODE.md for setup

Development

Quick Start (Recommended)

curl -fsSL https://raw.githubusercontent.com/different-ai/zero-finance/main/scripts/bootstrap.sh | bash

This one-liner will:

1. Install Node.js, pnpm, and OpenCode (if missing)
2. Clone the repository
3. Install dependencies
4. Launch an AI agent to guide you through setup

Manual Setup

# Clone the repository
git clone https://github.com/different-ai/zero-finance.git
cd zero-finance

# Install dependencies
pnpm install

# For local development (with Docker)
pnpm lite

# For production development
pnpm dev

AI-Assisted Development

This repo includes OpenCode configuration for AI-assisted development:

# Install OpenCode
curl -fsSL https://opencode.ai/install | bash

# Run in the repo
opencode

# Type @bootstrap for guided setup
# Type @debug-workspace to diagnose issues

See AGENTS.md for full AI agent documentation.

🔄 Self-Hosted Migration Guide

Want to migrate from hosted to self-hosted?

1. Set up lite mode (see LITE_MODE.md)
2. Add yourself as Safe owner on current account
3. Transfer funds via Safe UI to new instance
4. Configure insurance if needed (contact [email protected])

⚠️ Self-hosted instances with real funds require:

• Proper Privy configuration
• Safe wallet setup
• Understanding of gas fees
• Security best practices

📦 Project Structure

This monorepo contains multiple packages:

• packages/cli: The zero CLI built for agents
• packages/web: The bank web app
• packages/fluidkey-earn-module/: The smart contract that helps with securely automating savings.

🌐 Join Us

• Join our waitlist
• Contribute on GitHub