Cero

The upside of spending.

Some purchases come back free, enter the jackpot and earn rewards. Build your Cero Score to unlock credit.

[Cero @joinCero]

Introducing Cero

Spending with upside.

Build your Cero Score, unlock rewards, and grow toward credit.

[Cero @joinCero]

Who cares about points?

@cerotoone sat down with @drewrogers on Stableminded.

2:30 How Cero started
14:33 Why people chose upside
22:06 Who cares about points?
24:40 What 5% yield on $10K buys
35:14 Building consumer in an infrastructure market
39:18 Teasing part two on credit

[Stabledash @stabledash]

"You can potentially get the chance to win a million dollars."

In April, @cerotoone got an email saying he and his co-founders had nine days to get to New York for the start of the Nitro accelerator.

Despite having no registered company, no website and no visas in place, they packed their bags and flew to New York to begin building @joinCero

Rather than becoming just another neobank, Cero has built a spending card for customers who expect more from their everyday spending than 1% cashback and a handful of points.

It pools the yield and card fees that its users generate and gives them back as bigger upside, such as free purchases and entries into a weekly prize draw worth up to $1 million.

Over time, each cardholder's spending builds a Cero Score, which grows with account activity and unlocks access to credit.

MJ's conversation with @drewrogers:

2:30 - Nine days' notice to join Nitro Accelerator

3:42 - The first pitch: an onchain credit card

5:04 - Electric Capital's advice to go loud

6:40 - What 150 crypto users told the team

9:21 - Uncollateralized lending, explained

14:33 - Why users chose upside over credit

16:41 - How Cero's onchain rewards protocol works

18:12 - The UK's Premium Bonds as a model

20:34 - The Cero Score and building reputation

22:06 - Why points don't change how people spend

24:40 - What 5% yield on $10K buys

28:13 - Pooling everyone's rewards into one pot

29:54 - Buy now, pay never and the coin flip

31:16 - Megapot draws, Pokémon packs and partner rewards

35:14 - An industry over-indexed on infrastructure

37:06 - Why Cero is launching in Mexico first

39:18 - Teasing part two: onchain credit

Episode 0062

Presented to you by Latitude / @rtp

[Cero @joinCero]

@stabledash @cerotoone best 40 minutes you'll spend this week

[Cero @joinCero]

The upside of spending.

Full episode with @stabledash on Thursday.

[Stabledash @stabledash]

We've hosted plenty of neobanks on the live show.

Cero is one that stood out. They never set out to be another neobank competing on cashback.

"People don't really care about 1% cashback, 5% yield, earned programs, random points. All they care about is the upside."

@cerotoone, who co-founded @joinCero, built the card around that idea. Instead of points or cashback, Cero offers their users chances for free purchases, weekly jackpot entries worth up to $1M and a uncollateralized credit line that you grow from zero.

In this episode we cover:
> The nine-day sprint to launch Cero
> How it fixes the crypto over-collateralization problem
> Why users ignore standard credit card points
> Government lotteries the inspiration behind Cero's jackpots
> How digital coin flips gamify the checkout experience
> Why Mexico is their strategic first launch market

Stableminded Ep. 0062 out this Thursday

Presented by @rtp / Latitude

[Cero @joinCero]

finally something worth the second screen

[Cero @joinCero]

Access opens soon.

Claim your handle at https://t.co/aYCVHBFegz

[Cero @joinCero]

You handle money better than your credit score shows.

We built the Cero Score to prove it.

[Cero @joinCero]

It runs 0 to 1000 and updates every day.

The higher it climbs, the more it unlocks and past a point it opens a credit line.

[Cero @joinCero]

powered by the dopamine protocol

[Cero @joinCero]

Full episode with @pipeline_xyz ⬇️

https://t.co/puJ6pdEIG9

[Cero @joinCero]

MJ on @nitrodotacc, where Cero began

[Cero @joinCero]

Claim your handle.

https://t.co/aYCVHBFegz

[Cero @joinCero]

Cero gives you free purchases, reward packs, weekly jackpot and credit line.

Here's what each one gets you. 🧵

[Cero @joinCero]

Your Cero Score is built from your card spending, the cash you hold and the accounts you connect. 0 to 1000, updated daily.

As it climbs, it unlocks credit line.

[Cero @joinCero]

@0x_Charon you get it

[Cero @joinCero]

told you the upside was coming. you're still early.