# 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.
```bash
curl -fsSL https://zerofinance.ai/install | bash
# Authenticate (agent-native API flow)
zero auth agentlogin \
--email finance-agent@acme.com \
--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](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
## Development
### 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
## 📦 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](https://0.finance)
- [Contribute on GitHub](https://github.com/different-ai/zero-finance)