Your bank pays you 0.5% with your own money.
Startups lose $50,000+ per year in yield they should be earning. Competitive yield, insurance coverage, instant withdrawals. Your funds stay in your control.
| Wire from Chase •••• 1234 | +$500,000.00 |
| Daily yield earned | +$679.45 |
| ACH to vendor | -$12,500.00 |
- Routing
- 021000021
- Account
- 1234567890
Simple as any savings account
Sign Up → Deposit → Earn
Create your account
Sign up with email in under 60 seconds. No bank connection required.
Deposit USD
Transfer funds to your account.
Earn & withdraw anytime
Watch your balance grow with daily compounding. Withdraw instantly, no penalties or lock-ups.
Why Zero Finance
High-Yield Savings for Startups
Competitive Yield
Earn significantly more than traditional banks on your idle cash. Your funds are automatically allocated to vetted yield strategies with insurance coverage up to $1M from a licensed insurer.
No Minimums, Full Liquidity
Start earning from day one with no minimum balance requirements. Your funds remain fully liquid — withdraw any amount, any time. Perfect for managing runway while maximizing returns on idle capital.
Instant Global Banking
Open US and EU bank accounts in seconds. Get ACH routing numbers and SEPA IBANs instantly. Receive wire transfers, ACH payments, and SEPA transfers directly to your high-yield account.
Institutional-Grade Security
Bank-level security with self-custody benefits. Your funds are protected by insurance coverage up to $1M from a licensed insurer. Email login for easy access.
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Trusted Infrastructure
Built on Battle-Tested Technology
Your funds are secured by the same infrastructure trusted by institutions managing billions. Click to learn more about each partner.
- •Audited by 23+ security firms including OpenZeppelin and ChainSecurity
- •Backed by a16z, Coinbase Ventures, and Pantera Capital
- •Non-custodial: funds remain in your control at all times
- •Licensed and regulated insurance provider
- •Covers technical risks and smart contract vulnerabilities
- •Claims process with defined terms and conditions
- •Over 10 million deployed secure accounts
- •Battle-tested infrastructure securing institutional treasuries
- •Self-custody: only you control your funds
- •Trusted by 1,000+ companies across 180+ countries
- •Bank-grade encryption and security standards
- •Simple email login with institutional security
- •Money transmitter licenses across US states
- •EU licensed for SEPA transfers
- •Part of Stripe — trusted by millions of businesses
For Developers & Partners
Embed 0 Finance
in Your App
What You Get
Use Cases
Corporate Banking
Offer high-yield treasury management to business customers
Neobanks
Add competitive savings rates to your product suite
Crypto Wallets
Enable idle balance yield for your users
Payment Apps
Let users earn while they save for upcoming payments
Request API Access
Join the waitlist and we'll reach out to discuss your integration needs.
Start Growing Your Digital Dollars Today
Open a USDC savings account that earns competitive yield automatically. No minimums, no lock-ups, full control of your funds.
Our treasury is in Zero. We use what we build.