diff --git a/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatOptions.kt b/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatOptions.kt
index b5ac5c6..bf5e995 100644
--- a/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatOptions.kt
+++ b/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatOptions.kt
@@ -38,6 +38,9 @@ import kotlinx.serialization.Serializable
  * @property negativeStyle How negative amounts should be rendered.
  * @property symbolDisplay What form the currency indicator takes (symbol, ISO code, name, or none).
  * @property zeroDisplay How zero amounts should be rendered.
+ * @property hideZeroFractionDigits When `true`, omit fraction digits entirely if they are all zero
+ *   (e.g. `"$34.00"` → `"$34"`), while non-zero fractions are displayed unchanged
+ *   (e.g. `"$34.20"` remains `"$34.20"`). Takes priority over [minFractionDigits].
  */
 @Serializable
 data class CurrencyFormatOptions(
@@ -48,6 +51,7 @@ data class CurrencyFormatOptions(
     val negativeStyle: NegativeStyle = NegativeStyle.MINUS_SIGN,
     val symbolDisplay: SymbolDisplay = SymbolDisplay.SYMBOL,
     val zeroDisplay: ZeroDisplay = ZeroDisplay.SHOW,
+    val hideZeroFractionDigits: Boolean = false,
 ) {
     init {
         if (minFractionDigits != null && maxFractionDigits != null) {
@@ -107,6 +111,7 @@ data class CurrencyFormatOptions(
         var negativeStyle: NegativeStyle = NegativeStyle.MINUS_SIGN
         var symbolDisplay: SymbolDisplay = SymbolDisplay.SYMBOL
         var zeroDisplay: ZeroDisplay = ZeroDisplay.SHOW
+        var hideZeroFractionDigits: Boolean = false
 
         fun symbolPosition(value: SymbolPosition) = apply { symbolPosition = value }
         fun grouping(value: Boolean) = apply { grouping = value }
@@ -115,11 +120,12 @@ data class CurrencyFormatOptions(
         fun negativeStyle(value: NegativeStyle) = apply { negativeStyle = value }
         fun symbolDisplay(value: SymbolDisplay) = apply { symbolDisplay = value }
         fun zeroDisplay(value: ZeroDisplay) = apply { zeroDisplay = value }
+        fun hideZeroFractionDigits(value: Boolean) = apply { hideZeroFractionDigits = value }
 
         /** Builds an immutable [CurrencyFormatOptions] from the current builder state. */
         fun build() = CurrencyFormatOptions(
             symbolPosition, grouping, minFractionDigits, maxFractionDigits,
-            negativeStyle, symbolDisplay, zeroDisplay,
+            negativeStyle, symbolDisplay, zeroDisplay, hideZeroFractionDigits,
         )
     }
 }
diff --git a/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatter.kt b/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatter.kt
index 655bef9..ee41eb0 100644
--- a/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatter.kt
+++ b/kurrency-core/src/commonMain/kotlin/org/kimplify/kurrency/CurrencyFormatter.kt
@@ -432,9 +432,12 @@ class CurrencyFormatter(private val locale: KurrencyLocale = KurrencyLocale.syst
             integerPart
         }
 
-        // Reassemble with locale decimal separator
-        return if (fractionalPart.isNotEmpty()) {
-            "$groupedInteger${locale.decimalSeparator}$fractionalPart"
+        val effectiveFraction =
+            if (options.hideZeroFractionDigits && fractionalPart.isNotEmpty() && fractionalPart.all { it == '0' }) ""
+            else fractionalPart
+
+        return if (effectiveFraction.isNotEmpty()) {
+            "$groupedInteger${locale.decimalSeparator}$effectiveFraction"
         } else {
             groupedInteger
         }
diff --git a/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/HideZeroFractionDigitsTest.kt b/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/HideZeroFractionDigitsTest.kt
new file mode 100644
index 0000000..a3ed1d0
--- /dev/null
+++ b/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/HideZeroFractionDigitsTest.kt
@@ -0,0 +1,128 @@
+package org.kimplify.kurrency
+
+import kotlin.test.Test
+import kotlin.test.assertEquals
+import kotlin.test.assertFalse
+import kotlin.test.assertTrue
+
+class HideZeroFractionDigitsTest {
+
+    private val us = CurrencyFormatter(KurrencyLocale.US)
+    private val de = CurrencyFormatter(KurrencyLocale.GERMANY)
+    private val hide = CurrencyFormatOptions { hideZeroFractionDigits = true }
+    private val show = CurrencyFormatOptions() // default: hideZeroFractionDigits = false
+
+    @Test
+    fun us_allZeroFraction_isDropped() {
+        assertEquals("$34", us.formatWithOptions("34.00", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_nonZeroFraction_isKept() {
+        assertEquals("$34.20", us.formatWithOptions("34.20", "USD", hide).getOrThrow())
+        assertEquals("$34.88", us.formatWithOptions("34.88", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_partialTrailingZero_isKept() {
+        assertEquals("$34.50", us.formatWithOptions("34.50", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_grouping_isPreservedWhenFractionDropped() {
+        assertEquals("$1,000", us.formatWithOptions("1000.00", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_roundsDownToZero_isDropped() {
+        assertEquals("$34", us.formatWithOptions("34.004", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_roundsToNonZeroFraction_isKept() {
+        assertEquals("$34.02", us.formatWithOptions("34.019", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_nonZeroAmountRoundingToZero_isDropped() {
+        assertEquals("$0", us.formatWithOptions("0.004", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun us_zeroAmount_isDropped() {
+        assertEquals("$0", us.formatWithOptions("0.00", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun hideWinsOverMinFractionDigits() {
+        val opts = CurrencyFormatOptions {
+            hideZeroFractionDigits = true
+            minFractionDigits = 2
+        }
+        assertEquals("$34", us.formatWithOptions("34.00", "USD", opts).getOrThrow())
+    }
+
+    @Test
+    fun disabledByDefault_keepsDecimals() {
+        assertEquals("$34.00", us.formatWithOptions("34.00", "USD", show).getOrThrow())
+    }
+
+    @Test
+    fun negative_allZeroFraction_isDropped() {
+        assertEquals("-$34", us.formatWithOptions("-34.00", "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun negative_nonZeroFraction_hideHasNoEffect() {
+        assertEquals(
+            us.formatWithOptions("-34.20", "USD", show).getOrThrow(),
+            us.formatWithOptions("-34.20", "USD", hide).getOrThrow(),
+        )
+    }
+
+    @Test
+    fun bhd_allZeroFraction_isDropped() {
+        val r = us.formatWithOptions("10.000", "BHD", hide).getOrThrow()
+        assertFalse(r.contains("."), "expected no decimals in: $r")
+        assertTrue(r.contains("10"), "expected amount in: $r")
+    }
+
+    @Test
+    fun bhd_nonZeroFraction_isKept() {
+        assertEquals(
+            us.formatWithOptions("10.500", "BHD", show).getOrThrow(),
+            us.formatWithOptions("10.500", "BHD", hide).getOrThrow(),
+        )
+    }
+
+    @Test
+    fun germanLocale_allZeroFraction_dropsCommaSeparator() {
+        val r = de.formatWithOptions("34.00", "EUR", hide).getOrThrow()
+        assertFalse(r.contains(","), "German decimal separator should be gone in: $r")
+        assertTrue(r.contains("34"), "expected amount in: $r")
+    }
+
+    @Test
+    fun germanLocale_nonZeroFraction_isKept() {
+        assertEquals(
+            de.formatWithOptions("34.20", "EUR", show).getOrThrow(),
+            de.formatWithOptions("34.20", "EUR", hide).getOrThrow(),
+        )
+    }
+
+    @Test
+    fun jpy_zeroDigitsCurrency_isNoOp() {
+        assertEquals(
+            us.formatWithOptions("34", "JPY", show).getOrThrow(),
+            us.formatWithOptions("34", "JPY", hide).getOrThrow(),
+        )
+    }
+
+    @Test
+    fun kurrencyFormatAmountWithOptions_propagatesOption() {
+        assertEquals(
+            "$34",
+            Kurrency.USD.formatAmountWithOptions("34.00", hide, KurrencyLocale.US).getOrThrow(),
+        )
+    }
+}
diff --git a/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/serialization/CurrencyFormatOptionsSerializerTest.kt b/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/serialization/CurrencyFormatOptionsSerializerTest.kt
index 255276f..7527f0e 100644
--- a/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/serialization/CurrencyFormatOptionsSerializerTest.kt
+++ b/kurrency-core/src/commonTest/kotlin/org/kimplify/kurrency/serialization/CurrencyFormatOptionsSerializerTest.kt
@@ -38,6 +38,15 @@ class CurrencyFormatOptionsSerializerTest {
         assertEquals(original, deserialized)
     }
 
+    @Test
+    fun hideZeroFractionDigitsRoundTrip() {
+        val original = CurrencyFormatOptions(hideZeroFractionDigits = true)
+        val serialized = json.encodeToString(CurrencyFormatOptions.serializer(), original)
+        val deserialized = json.decodeFromString(CurrencyFormatOptions.serializer(), serialized)
+        assertEquals(original, deserialized)
+        assertTrue(deserialized.hideZeroFractionDigits)
+    }
+
     @Test
     fun partialJsonUsesDefaults() {
         val partial = """{"symbolDisplay":"NONE"}"""
@@ -50,6 +59,7 @@ class CurrencyFormatOptionsSerializerTest {
         assertEquals(null, deserialized.maxFractionDigits)
         assertEquals(NegativeStyle.MINUS_SIGN, deserialized.negativeStyle)
         assertEquals(ZeroDisplay.SHOW, deserialized.zeroDisplay)
+        assertEquals(false, deserialized.hideZeroFractionDigits)
     }
 
     @Test
diff --git a/kurrency-deci/src/commonMain/kotlin/org/kimplify/kurrency/deci/DeciExtensions.kt b/kurrency-deci/src/commonMain/kotlin/org/kimplify/kurrency/deci/DeciExtensions.kt
index 4b87123..139c214 100644
--- a/kurrency-deci/src/commonMain/kotlin/org/kimplify/kurrency/deci/DeciExtensions.kt
+++ b/kurrency-deci/src/commonMain/kotlin/org/kimplify/kurrency/deci/DeciExtensions.kt
@@ -2,6 +2,8 @@ package org.kimplify.kurrency.deci
 
 import org.kimplify.deci.Deci
 import org.kimplify.kurrency.CurrencyFormat
+import org.kimplify.kurrency.CurrencyFormatOptions
+import org.kimplify.kurrency.CurrencyFormatter
 import org.kimplify.kurrency.Kurrency
 
 /**
@@ -43,3 +45,37 @@ fun CurrencyFormat.formatIsoCurrencyStyle(amount: Deci, currencyCode: String): S
  */
 fun CurrencyFormat.formatIsoCurrencyStyle(amount: Deci, currency: Kurrency): String =
     formatIsoCurrencyStyle(amount.toString(), currency.code)
+
+/**
+ * Formats a [Deci] amount with fine-grained [CurrencyFormatOptions] using this formatter's locale.
+ *
+ * Formatting is delegated to the `Double`-based engine, so values beyond `Double` precision
+ * may be rounded; this does not guarantee exact decimal formatting of the [Deci].
+ *
+ * @param amount The [Deci] amount to format
+ * @param currencyCode The ISO 4217 currency code (e.g., "USD", "EUR")
+ * @param options The formatting options to apply
+ * @return Result containing the formatted string, or failure if validation fails
+ */
+fun CurrencyFormatter.formatWithOptions(
+    amount: Deci,
+    currencyCode: String,
+    options: CurrencyFormatOptions,
+): Result<String> = formatWithOptions(amount.toString(), currencyCode, options)
+
+/**
+ * Formats a [Deci] amount with fine-grained [CurrencyFormatOptions] using this formatter's locale.
+ *
+ * Formatting is delegated to the `Double`-based engine, so values beyond `Double` precision
+ * may be rounded; this does not guarantee exact decimal formatting of the [Deci].
+ *
+ * @param amount The [Deci] amount to format
+ * @param currency The [Kurrency] whose ISO code should be used
+ * @param options The formatting options to apply
+ * @return Result containing the formatted string, or failure if validation fails
+ */
+fun CurrencyFormatter.formatWithOptions(
+    amount: Deci,
+    currency: Kurrency,
+    options: CurrencyFormatOptions,
+): Result<String> = formatWithOptions(amount.toString(), currency.code, options)
diff --git a/kurrency-deci/src/commonTest/kotlin/org/kimplify/kurrency/deci/DeciHideZeroFractionDigitsTest.kt b/kurrency-deci/src/commonTest/kotlin/org/kimplify/kurrency/deci/DeciHideZeroFractionDigitsTest.kt
new file mode 100644
index 0000000..c2407ce
--- /dev/null
+++ b/kurrency-deci/src/commonTest/kotlin/org/kimplify/kurrency/deci/DeciHideZeroFractionDigitsTest.kt
@@ -0,0 +1,42 @@
+package org.kimplify.kurrency.deci
+
+import org.kimplify.deci.Deci
+import org.kimplify.kurrency.CurrencyFormatOptions
+import org.kimplify.kurrency.CurrencyFormatter
+import org.kimplify.kurrency.Kurrency
+import org.kimplify.kurrency.KurrencyLocale
+import kotlin.test.Test
+import kotlin.test.assertEquals
+
+class DeciHideZeroFractionDigitsTest {
+
+    private val formatter = CurrencyFormatter(KurrencyLocale.US)
+    private val hide = CurrencyFormatOptions { hideZeroFractionDigits = true }
+
+    @Test
+    fun deci_allZeroFraction_isDropped_withCurrencyCode() {
+        assertEquals("$34", formatter.formatWithOptions(Deci("34.00"), "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun deci_nonZeroFraction_isKept_withCurrencyCode() {
+        assertEquals("$34.20", formatter.formatWithOptions(Deci("34.20"), "USD", hide).getOrThrow())
+    }
+
+    @Test
+    fun deci_allZeroFraction_isDropped_withKurrency() {
+        val usd = Kurrency.fromCode("USD").getOrThrow()
+        assertEquals("$34", formatter.formatWithOptions(Deci("34.00"), usd, hide).getOrThrow())
+    }
+
+    @Test
+    fun deci_nonZeroFraction_isKept_withKurrency() {
+        val usd = Kurrency.fromCode("USD").getOrThrow()
+        assertEquals("$34.20", formatter.formatWithOptions(Deci("34.20"), usd, hide).getOrThrow())
+    }
+
+    @Test
+    fun deci_highPrecisionFractionRoundsToZero_isDropped() {
+        assertEquals("$34", formatter.formatWithOptions(Deci("34.0000001"), "USD", hide).getOrThrow())
+    }
+}