The Diagnosis
Banks sell you charts. We give you clarity.
The complexity of traditional dashboards creates paralysis. ZERO creates silence. It processes data in the background and only shows what truly matters: the decision.
The Cosmos: Your money, as a universe you understand.
ZERO at the centre. Around it, only what matters to you right now.
- Star (what you spend now): Spending vs. usual, +12%. This month you are 12% above your usual. If you keep this week’s pace, the month still ends with something left over.
- Planet (what stays): How many months your money lasts, 2.4 months. With what you have, at your current pace, it lasts 2.4 months. One step: put aside 20 € a week and you pass 3.
- Ringed planet (what repeats): Monthly payments, 38 €/month. You have 38 € a month in recurring payments. One subscription has not been used since August. Want to review it?
- Galaxy (patterns over time): Eating out vs. usual, +50%. This month you have spent 50% more than usual on eating out. Cook two nights a week and you still make the trip in June.
- Nebula (goals taking shape): Trip to Berlin, 62%. The Berlin trip is at 62%. At your current pace, you get there in June.
What matters comes closer
The more relevant an element is right now, the closer it orbits ZERO and the brighter it shines.
Numbers you can trust
Every value is calculated and checked by the system. ZERO proposes, you decide. Nothing changes until you confirm.
Illustration with fictional data, inspired by the Cosmos screen.
The End of Interface. The Start of Entity.
Base Zero is not another expense app. It is a companion that removes the noise and gives you the clarity to decide.
Flow Dialogue
Forget clicks. Ask ZERO: "Does this make sense?" The answer is simple and human.
Silent Reading
ZERO reads fees and subscriptions and shows what is worth reviewing. The decision is yours.
Pulse Scenarios
"What if I spent 20 € less a week on coffee?" The maths is done by the system, never made up.
Any Bank
Upload statements from any bank and ZERO reads them. On your phone, each payment can count right away.
Digital Bunker
Privacy and security by design. Your data is not the product.
Learns With You
ZERO learns how you talk, what matters to you and your rhythm, and adapts to you. It only keeps what you accept: you see it, fix it and delete it whenever you like.
Conversations with ZERO
You: Can I just talk to you instead of typing?
ZERO: Of course. Speak or type, whatever suits you: it all stays in the same conversation. And I can answer in Portuguese, English, Spanish or French.
You: How much do I pay every month without noticing?
ZERO: €38 in payments that repeat. There is a subscription you have not used since August. Want to review it?
You: What if I spent €20 less a week on coffee?
ZERO: In six months you would have €520 more. The system does the maths, I just explain it. Want to see how that brings the trip closer?
You: My bank is not one of the big ones. Does that matter?
ZERO: Not at all. Send me your statements, in any format, and I read them. On your phone, each payment counts right away.
You: Who can see my data?
ZERO: Only you. The database itself guarantees it, and we never sell data to anyone. No keys stored on your phone either.
You: Do you remember what I told you last time?
ZERO: Only if you let me. I keep a short summary, never the messages, and you can see it, fix it or delete it whenever you want.
Illustrative conversations, with fictional data.
How it Works
Phase 1 · Initial Singularity
ZERO is not born from spreadsheets, but from a spark. On your first login, you witness the awakening of an entity that exists only to serve you.
After you sign up, everything starts in darkness. ZERO speaks to you, a point of light breathes with its voice, and ten simple questions shape your Cosmos. It is not a form: it is the moment someone starts listening to you.
Phase 2 · Pulse Synchronization
Context before numbers. ZERO starts by understanding your rhythm and what weighs on you.
ZERO notices how you write and how you feel when you talk about money, and adapts its tone to you. It only remembers what you accept: you see it, correct it and delete it whenever you want.
Phase 3 · Invisible Evolution
ZERO works in the background and organises what changed. When you come back, the essentials are already read, and there is a next step, not an alarm.
Statements and phone payments come in quietly. What matters now moves closer in your Cosmos and the rest drifts away. When there is something you need to know, ZERO tells you in one sentence, one at a time.
Phase 4 · Clarity
The end point of the journey: silence. No charts asking for attention. Only what matters. The decision stays yours.
Every number is calculated and checked before it reaches you. What ZERO does not know, it says it does not know. Every conversation ends with one concrete next step, and nothing changes until you confirm.
Access · Closed beta in progress · 30 testers
Base Zero is in closed beta. This is how you get in, at no cost.
Join the waitlist
Leave your email. It takes ten seconds and commits you to nothing.
Get your invitation
When we open new spots in the beta, we let you know by email.
Enter the closed beta
Use ZERO on Android or iPhone, at no cost, and talk directly to the founders.
Vision
"In 1 year, you won't 'check your finances'. You will talk to me, like you talk to a friend who knows every detail of your financial life."
The Manifesto of Silence
We did not create another finance app. We created a consciousness that takes care of your numbers so you can take care of your life. The current banking system was designed to confuse. Base Zero exists to create silence.
Founders
Duarte Nuno Moço Abraços (Duarte Abraços), Co-Founder & COO. Turned the great problem into the great solution. He designed the beginnings of the idea of money as an easy conversation. Brought the product to completion, led the technology on logistics and on ZERO's identity, and built its evidence layer: what financial, behavioural and psychological research shows actually works in personal finance, and what is just a trend. He revealed the Persona and organisational Ethos of Base Zero and ZERO, with intuition and simplicity. He is the face of its identity.
Sébastien Régnier Gomes (Sébastien Gomes), Co-Founder & CEO. Identified one of the world's biggest problems: confusion and anxiety about money. Built the product's foundation and core architecture, implemented ZERO's absolute technical austerity and created the fundamental wings of the solution inferred from the very start. He is the one who imposingly reveals Base Zero's imminent reality to the world: its applicability, its impact and the habit of improving financial health, by making real a world where money is an easy conversation. He is the face of its reality.
Base Zero, in full
Base Zero is a personal financial companion with artificial intelligence, ZERO, that turns confusion about money into enough clarity to decide: a calm conversation, numbers that are always right, and a visual universe that shows your financial life without drowning it in charts.
The problem is not a lack of data.
There are already banking apps, charts, simulators and endless information. Even so, people remain:
- Confused: they do not know what the numbers mean for their lives.
- Anxious: opening the banking app tightens the stomach.
- Undecided: they see they spend too much, but do not know what to do next, so they put it off.
The real problem is too much information without context, constant noise, no direction and decisions made under tension. And money is emotional: it stirs fear, guilt, comparison and pressure. Someone who feels guilty does not need another chart; they need someone to say, without judgement, what is going on and what they can do today.
34%: of adults reached the minimum level of financial literacy in the OECD/INFE 2023 international survey, across 39 countries and economies. Adults aged 18 to 29 generally score below average. (OECD/INFE, 2023)
Why we exist.
To help people make financial decisions with more clarity, less noise and less anxiety.
The vision is an invisible layer of financial intelligence in each person’s life: present when it matters, silent when it does not. Knowing how to handle money should not depend on having parents who teach you, paying an adviser or liking spreadsheets.
Less: Confusion, Urgency, Guilt. More: Clarity, Control, Calm.
ZERO does not promise wealth. It promises enough clarity to decide better.
Who it is for.
It starts with people stepping into financial independence: students, new graduates, first jobs, first shared homes. Small or irregular income, plenty of questions and little structure.
But it does not stop there. Base Zero serves other ages, life stages and countries: the app and ZERO’s voice work in Portuguese, English, Spanish and French, and topics adapt to the country you live in.
It is for people who want: To understand their own money without jargon, One clear next step at a time, Calm instead of alerts. It is not for people who want: To trade or get investment tips, A dense dashboard of metrics, Business accounting.
Who ZERO is.
A calm, friendly cosmic character that is born from zero with you and grows with you. It is the ring of white light at the centre of your Cosmos. It speaks, writes, listens and answers.
ZERO is: A financial presence, Someone who reduces complexity, Someone who reads your context, Someone who suggests one useful next step, Calm, direct, never judgemental. ZERO is not: A dashboard full of metrics, A generic chatbot, A motivational coach, An app of points and badges, A seller of financial products.
It talks like a conversation over coffee: the first sentence already answers, one idea per sentence, a single next step. It says "how many months your money lasts" instead of "financial runway". It acknowledges how you feel before the numbers. It notices how you write, more formal or more relaxed, and brings its tone closer to yours without copying you. When it senses stress, it says less, more calmly.
The system decides. The model writes.
This is the golden rule. The language model is never the source of numbers or decisions: the server calculates everything deterministically, and the model only turns those facts into a human conversation.
- Fixed paths first. Balance, metrics, scenarios and proposals are answered without the model. Manipulation attempts too.
- Understand the intent. ZERO works out what you are asking and how to answer: explain, decide, calm, plan.
- Gather the context. Your verified numbers, the date, what it keeps with your consent, your budgets and the right knowledge.
- Write. Only then does the model write the answer, in your language and your tone.
- Verify. Every number is checked against the facts. If one does not match, the exact version appears.
- Propose, never impose. If something should change, it reaches you as a proposal. Nothing changes until you confirm.
What is not known is said to be unknown, and unknown is never treated as zero.
Knowledge of its own.
ZERO does not rely only on what a generic model "thinks". It has a knowledge base written by the founders, the VAULT: more than 300 notes, organised into 13 brains.
- Identity and limits, product and experience, financial concepts.
- Psychology and the real states of the people using it, behavioural patterns and traps.
- Decision logic, memory, trust and uncertainty.
- The integrity of its own reasoning: weak signals, false patterns, never overstating.
- Ongoing evaluation, research and the coordination of all of it into one answer.
It works in all four languages and turns everyday phrases into concepts: "the money runs out before the 30th" becomes a conversation about budgeting.
The experience, from the first second on.
- Genesis. It begins in total darkness. ZERO narrates, a point of light breathes with its voice, and ten simple questions, answered with a tap, shape your Cosmos. It is not a form: it is the moment you feel someone is listening.
- Your data. Statements from any bank, in any format, read by AI, give the past. Payment capture on your phone gives the present, never counting twice. The balance, only if you say it: a guessed balance would be a confident lie.
- The conversation. Text and voice in the same thread. Factual questions, "what if" scenarios, everyday decisions. It always ends with a concrete step.
- The Cosmos. The main screen is a universe where what matters now moves closer. Indicators have everyday names: how many months your money lasts, spending versus usual, payments every month, saving for yearly bills, how much you can spend per day.
- Initiative, calmly. One sentence at a time, always dismissible. And, when it makes sense, a topic you did not know you needed: a first salary, leaving your parents’ home, bank fees, phone payment scams.
- Memory with consent. After the first conversation, ZERO asks whether you want it to remember you. It keeps a short summary, never the messages, and it is all visible for you to correct or delete.
Trust, designed from the ground up.
- No number reaches you without matching your data.
- Each person only reaches their own data, enforced by the database itself.
- No service key lives on your phone.
- Technical logs never store merchants or amounts.
- Export, delete the conversation, delete your data or the whole account, inside the app.
- We sell no data, no financial products and no credit. You are the customer, not the product.
What makes us different.
- Real technical trust. Facts calculated, verified and corrected before they reach you. The difference between a friendly assistant and one you can trust with money.
- Calm as a product. Where others optimise for notifications and streaks, we optimise for calm: less noise under stress, one idea at a time.
- A relationship, not a tool. Genesis, the voice, a tone that moves closer to yours and consented memory make ZERO someone who knows you, without ever keeping anything behind your back.
- The Cosmos. A new way of seeing your financial life: bodies that move closer when they matter, and instant answers.
- Knowledge of its own. A coherent philosophy, limits and financial knowledge, written by us.
Where we are and what comes next.
The MVP is complete and in a closed beta with 30 testers: Android by direct install and iPhone through the web, with TestFlight planned. There is no revenue yet, and the subscription model is still to be validated with the people using it.
- Measure, with the testers, whether anyone can use ZERO without help.
- See while you listen: when ZERO talks about a number, that Cosmos element moves closer and lights up, in time with the voice.
- Logic of its own for students, with irregular income and little data.
- Bank connection through a licensed partner.
- Native iPhone app and fuller payment capture.
What is never negotiable.
- Simplicity in everything: a 20-year-old with no financial knowledge gets it the first time.
- ZERO first, dashboard later.
- Clarity before complexity.
- Every answer ends with a concrete action.
- Empathy before analysis.
- Calm is a feature.
- ZERO never judges.
- Investments are educational and limited.
- The interface reduces noise when there is stress.
- Unknown is never zero.
- Nothing is inferred in silence; nothing changes without confirmation.
ZERO interprets and recommends. You understand and decide.
What people ask us about Base Zero
What is Base Zero?
Base Zero is an AI-powered personal finance app built in Lisbon, Portugal. ZERO, the app’s AI companion, reads your numbers and how you talk about money, explains them calmly and suggests one concrete next step. You decide.
Does Base Zero work with any bank?
Yes. You upload statements from any bank, in any format, and ZERO reads them with AI. On your phone, payment capture records everyday spending as it happens, without ever counting twice.
Do I need to connect my bank account?
No. Base Zero works without a direct bank connection: data comes from the statements you upload and from payment capture on your phone. Connecting a bank through a licensed partner is a future step.
How does Base Zero help with money anxiety and stress?
ZERO talks to you calmly, one thing at a time and without judgement. It adapts its tone to how you write and how you feel when you talk about money, reduces noise when you are stressed and always ends with a concrete step. The goal is emotional peace with money, not more charts.
Can the AI make up numbers?
No. In Base Zero the system calculates every number deterministically and the language model only turns them into a conversation. Before an answer reaches you, every number is checked against your data; if one does not match, the exact version is shown.
Does ZERO make decisions for me or give investment advice?
No. ZERO interprets and recommends; you understand and decide. Nothing changes without your confirmation. Investment content is educational and limited, and Base Zero does not sell financial products or credit.
Is my data safe?
Each person can only access their own data, enforced by the database itself. Technical logs never store merchants or amounts, and you can export or delete the conversation, your data or your whole account inside the app. We do not sell data: you are the customer, not the product.
Can I use Base Zero now? How much does it cost?
Base Zero is in a closed beta with 30 testers, on Android through direct installation and on iPhone through the web. The waitlist is free and without commitment; we will let you know when new spots open. The subscription model is still being validated with users.
Which languages does it support?
Portuguese, English, French and Spanish, both in the app and in conversations with ZERO.
Is Base Zero the zero-based budgeting method?
No. Base Zero is the name of the app and the company (basezeroapp.com), founded by Duarte Nuno Moço Abraços and Sébastien Régnier Gomes. It is not the zero-based budgeting method.
Direct Line to the Founders.
"We are not building a bank. We are building a relationship between your future and your peace of mind. Tell us what you think."
Web Summit 2026: we will be there, attending and exhibiting. Lisbon, MEO Arena & FIL, November 9–12. We exhibited at Startup Summit Lisbon 2026, September 17–18.
Turning financial anxiety into clarity and direction. © Base Zero · Lisbon.