You dictate the rules
Set it once in plain words. Every payday 0frictn proposes a safe move — you just confirm.
How 0frictn works
Agents do the labor
No manual trackers, no tedious spreadsheets. Background agents execute the work while you live your life.
Operator, not a tracker
An AI-native personal CFO that runs the money job in the background, the way a CFO would.
The rungs of capital preservation.
We walk you step-by-step, moving your wealth from surviving to free.
Surviving
Steady the week. End the overdrafts and the 2am money panic.
Stable
A cushion that absorbs a rough week without breaking you.
Buffer · $1,000
Your line in the sand — the first real milestone the agent climbs to.
Secure
Three months of cover. Room to breathe, and room to plan.
Free
Your money works for you. The climb pays off — that's the whole point.
Every payday
One move, and the buffer climbs.
- See every account and balance, live
- A safe move proposed each payday, on your rules
- Watch the buffer climb toward $1,000
- Ask the agent what changed this week
This payday at a glance
Buffer
$640
64% to Buffer
Set aside
+$180
this payday
Left for bills
$1,820
on track
Recent activity
Paycheck landed+$2,000
Set aside to buffer+$180
Bills covered$1,820
Read-only by design
Your money stays yours. We never move it.
0frictn connects to read, never to move. Nothing happens to your money without your yes — and you can walk away anytime.
Read-only
We connect to read your balances, never to move your money.
You confirm everything
No move happens until you say yes. Every action, your call.
You're in control
Pause, export, or disconnect whenever you want. No lock-in.
Zero friction.
Total momentum.
The financial co-founder you can't afford yet — now in private beta.