0 Finance

0 Finance is an open-source, self-hosted financial management platform specifically designed for AI agents. It provides a banking infrastructure that allows agents to manage funds, handle invoicing, and execute transfers through a command line interface. The software is deployed as a web application and server, with a primary focus on scriptable workflows via the zero CLI. This approach allows developers to treat banking operations as code, enabling autonomous agents to perform financial tasks without manual human intervention for every step.

Users can choose between a managed hosted version or a self-hosted instance for full control over funds and data. The system integrates with Ethereum wallets and Safe wallets to manage assets. It is intended for startups and developers who need to automate financial operations for autonomous agents, providing a bridge between traditional banking rails and programmable AI workflows. The software supports the creation of US and EU accounts to facilitate global liquidity.

Key features

• CLI-first banking for scriptable financial workflows
• Automated creation and delivery of invoices via the terminal
• Proposal and execution of ACH and IBAN bank transfers
• Receipt matching and transaction reconciliation via CLI
• Automated yield optimization for idle funds
• Support for both agent-native API authentication and browser login
• Self-hostable architecture for full instance control
• Integration with smart contracts for automated savings

The project is structured as a monorepo containing a CLI package, a web application, and a specific earn module for smart contract automation. It supports AI-assisted development through OpenCode configurations, allowing developers to bootstrap and debug the workspace using agents. For self-hosted deployments, the system requires Privy configuration and Safe wallet setup to manage gas fees and security. The architecture is designed to be forkable, allowing users to customize the internal workflows to match specific business logic or regulatory requirements.

0 Finance is a programmable banking layer for the AI agent ecosystem.