zero-finance

zero-finance

Open-source Savings account for Startups

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Zero Finance is a bank account that automates your finances, allowing you to easily create invoices, get paid directly to your personal IBAN, use a debit card worldwide with 0% conversion fees, optimize yield by automatically allocating idle funds to highest-yielding opportunities, and automate finances with a complete accounting system including expense tracking and tax optimization. The tool also syncs with various data sources to help you stay on track of your financial tasks by surfacing critical information, auto-categorizing based on AI-rules, auto-scheduling vendor payments from invoices via AI-rules, and allowing export to CSV. The project is structured as a monorepo containing multiple packages for the bank web app and a smart contract for securely automating savings.

README:

0 Finance

Get Paid. Pay Bills. Make Money Work.

Screenshot 2025-07-10 at 18 57 54

⚠️ Risk Disclosure

DeFi yields are NOT FDIC insured. Smart contract risks apply.

🛡️ Want Insurance Coverage?

Contact us for protected accounts:

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

  • [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

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

# Install dependencies
pnpm install

# For local development (with Docker)
pnpm lite

# For production development
pnpm dev

🔄 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/web: The bank web app
  • packages/fluidkey-earn-module/: The smart contract that help with securely automating savings.

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