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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-first banking for agents starts with the zero CLI.

```bash

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

# Authenticate

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.

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

Option 1: Use Our Hosted Version

• Visit [0.finance](https://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](./LITE_MODE.md) for setup

Quick Start (Recommended)

```bash

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

```bash

# 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](https://opencode.ai) configuration for AI-assisted development:

```bash

# 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](./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](./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 raghav@0.finance)

⚠️ Self-hosted instances with real funds require:

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

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 our waitlist](https://0.finance)
• [Contribute on GitHub](https://github.com/different-ai/zero-finance)