Zero Finance

Get Paid. Pay Bills. Make Money Work.

An open-source bank account built on crypto rails.

What Zero Finance Does

Zero Finance transforms idle crypto into working capital:

• 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/usd accounts
• Phase 2: allocations
• Phase 3: yiel optimization - early access🔜
• Phase 4: automation via ai agents

🚀 Quick Start

Prerequisites

• Node.js 18+
• pnpm package manager

Installation

# 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: Invoice management web application (Next.js)

🌐 Join Us

• Join our waitlist
• Contribute on GitHub