Zero Finance

Get Paid. Pay Bills. Make Money Work.

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
• Automate Finances - Complete accounting system with expense tracking and tax optimization

Current Status

• Phase 0: invoicing
• Phase 1: iban/ach accounts
• Phase 2: savings accounts
• Phase 3: receipts matching/invoice matching - early access🔜
• Phase 4: debit/credit cards

🚀 Financial Inbox

We sync with various data sources (right now gmail) and allow you to stay on track of your financial task.

• Surfacing of critical information
• Auto-categorize based on AI-rules
• Auto-schedule vendor payments from invoices via AI-rules (you're still in control atm we just pre-fill information for you)
• Export to CSV

Development

We need a lot of work here. If you want to run this on your computer let me know I'll help you.

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

# Install dependencies
pnpm install

# Start development server
pnpm dev

📦 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