0 Finance

Your business savings account is now open source. 0 finance is a stablecoin bank that works like a regular bank. You can send & receive money out via ACH, earn 2-3x the yield compared to regular savings accounts, and fork it!

What Zero Finance Does

0 Finance is a bank account that automates your finances:

• Get Paid Easily - Create invoices in seconds and get paid directly to your personal IBAN
• Spend Anywhere - Use a debit card worldwide with 0% conversion fees
• Optimize Yield - AI automatically allocates idle funds to highest-yielding opportunities

Current Status

• Phase 0: invoicing
• Phase 1: iban/ach accounts
• 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 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/web: The bank web app
• packages/fluidkey-earn-module/: The smart contract that help with securely automating savings.

🌐 Join Us

• Join our waitlist
• Contribute on GitHub