CeroFiao

CeroFiao is an app for managing your finances in Venezuela, where daily life revolves around bolivars, dollars, euros, and USDT. You record your incoming and outgoing transactions in the currency used, and the app displays everything along with the daily exchange rate.

Your accounts, in any currency
• Five currencies: bolivars, BCV dollar, BCV euro, USDT, and EURI.

• Cash, banks, and wallets in one place, with 17 Venezuelan banks and 9 wallets and platforms ready to choose from.

• Every transaction is saved at the exchange rate you used.

• You choose whether your dollars are valued at the BCV rate or the market rate.

The daily rate, without searching
• BCV dollar and euro, USDT, and EURI against the bolivar, showing their fluctuations and the spread between them.

• Converter with calculator and historical data for 7, 30, 90 days, or a year.

• Even offline, you can still see your latest saved rates, including the date.

Debts and Collections
• See who owes you and who you owe, with installments, due dates, interest, and late fees.

• Save your Mobile Payment or account details and share them with a QR code when it's time to collect payment.

• Split a bill among several people, including VAT, service charges, and IGTF (Tax on Financial Transactions).

Scan the Invoice
• Point your camera or choose a photo: CeroFiao reads the total, date, merchant, and products with their quantity and price.

• It also reads mobile payment receipts: the amount and reference number.

• The reading is done on your phone, without internet access. You review, correct, and confirm before recording.

Budgets, Savings, and More
• Budgets by category with alerts when you're approaching your limit, and a daily spending limit until the end of the month.

• Savings goals and a savings account to set aside money within your accounts.
• Shopping cart: Add up your purchases as you shop, before you get to the checkout.

• Subscriptions and recurring payments, with charges for the next 30 days.

• Travel with its own budget, jobs and shifts, and debit, credit, and prepaid cards, without ever asking for your full card number, CVV, or PIN.

• Weekly, monthly, or yearly analysis, compared to your previous periods.

Your way
• Customize your home screen with 26 widgets: Choose which ones to see, in what order, and what size.

• Light or dark theme, eight accent colors, and four text sizes.

• Two widgets for your phone's screen: balance and rates.

Your data stays with you
• No registration, no ads, and no tracking tools.

• Your data is stored on your phone: there are no user accounts or servers of ours. Internet access is only needed to update rates.

• Complete backup to a file you save anywhere and restore on another phone. You can also export to CSV and generate your monthly statement as a PDF.

• You can hide your balances and delete all your data whenever you want.

• Currently, there are no subscriptions or in-app purchases.

Important: CeroFiao is a personal finance ledger. It is not a bank, a wallet, or a currency exchange: it does not connect to your bank accounts, does not transfer money, and does not offer loans. It is not affiliated with the Central Bank of Venezuela or any government entity, bank, or payment platform. Rates are obtained from a third-party public service (ve.dolarapi.com) and are for reference only.

For Android 14 or higher.

Support: [email protected]
Privacy: https://schwarckdev.com/cerofiao/privacidad/