0 Finance
by 0 Finance · CLI-first bank account for AI agents with human approval
BenchRank score
Screenshots of 0 Finance
Homepage
Overview
0 Finance is a bank account driven from the `zero` command-line tool, aimed at AI agents. Agents can read balances and savings positions, create and send invoices, and propose ACH or IBAN transfers; proposals go to a companion web app where a human approves them. It is also reachable over MCP, and can be forked and self-hosted.
- Best for
- Developer teams that want AI agents to run banking tasks from a CLI with humans approving payments.
- Pricing
- No prices are shown; the pricing section only says the team will help set up approval policies and an operating model for production deployments.
- Runs on
- Self-hostedCLI
Strengths and trade-offs
Strengths
- Every workflow is scriptable via the `zero` CLI
- Transfers are proposals until a human approves them
- Usable from any MCP-enabled assistant
- Forkable and self-hostable for custom flows
Trade-offs
- The product is being deprecated and new signups are disabled
- No pricing is published anywhere on the page
- Transfers cannot complete without a human in the dashboard
- Stated transfer rails are limited to ACH and IBAN
Pricing
Published plans and prices from 0 Finance’s own pricing page.
How this score is made up
Each dimension is scored out of 100 and combined into the headline score using fixed weights.
MCP support
Whether an agent can drive the product through the Model Context Protocol, and how much setup that takes.
API quality
Public API surface: machine-readable spec, official SDKs, documented auth, errors, rate limits and versioning.
Documentation
Publicly reachable docs — coverage, freshness, code samples and machine readability.
Agent friendliness
How readable the site is to an automated client: llms.txt, structured data, server-rendered content, crawler access.
Changelog
A public, dated record of what shipped and when — the clearest signal that a product is still alive.
Marketing site structure
Whether the site answers a buyer's questions: clear positioning, the pages that matter, and accessibility.
Page speed
How fast the site loads for real visitors: Chrome UX Report 75th-percentile LCP, INP and CLS, with a Lighthouse mobile run standing in where a site has too little traffic for field data.
Operational trust
Status page and incident history, security disclosure, compliance and data-processing documentation.
Measured, but not part of the score
Useful to know, but not a mark for or against the product — so these do not affect the ranking.
Openness
Source availability, self-hosting, data export and open standards. Scored and shown, but not part of the composite — paid SaaS is not worse for being paid SaaS.
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Where this comes from
The 0 Finance pages BenchRank reads when it scores the product — its documentation, release notes, status and security pages, and its repository where there is one.
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Is this your product?
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