With the introduction of Protocol 14 and specifically CAP-33, accounts can now be created without a starting balance (given a sponsor).
The CAP notes:
Operation Validity Changes
Any downstream system relying on the fact thatCreateAccountOpis invalid ifstartingBalance = 0will be affected.
This subtlety is easy to overlook, so please ensure that the SDK allows this updated constraint.
If this SDK validates the starting balance to prevent starting balances of zero, please update the SDK to allow it.