Can I use my ZIPZERO funds to pay someone else's bill, i.e. a family member or someone in my community who could use some help?

No. This is due to tax implications.

Unless your family member is also a member of your household, you cannot use your ZIPZERO funds to pay their bills.

ZIPZERO’s goal is to help households with their monthly financial obligations. It’s quite possible that in the future we will open our system to allow users to contribute their funds to others in their community. In the meantime, we want our users to focus on using their funds to cover their own monthly obligations.