Problem
Settlement is becoming commoditized. Every protocol moves money now fast, cheap, global. But moving money is not the same as making it work. 400 million people earn in stablecoins. The moment a payment hits their wallet, it stops. That cashflow doesn’t generate a credit history, doesn’t build a financial identity, doesn’t unlock capital against income they’ve already earned. No BNPL. No borrowing. No Score. Just a number sitting in a wallet doing nothing until the next invoice clears. The problem is not the money. The problem is everything that should happen after it arrives.The Solution
Monaris sees it. We built the layer that makes stablecoin cashflow actually work. Every invoice, every cleared payment, every on-time obligation builds a Monaris Score — a real-time financial identity powered by the Monaris Underwriting Algorithm (MUA). That Score unlocks instant capital, BNPL, and credit backed by income already earned. Not collateral. Not a bank. Their own cashflow. Monaris reads your on-chain payment history and optionally blends it with off-chain financial data powered by zkTLS — bank accounts via Plaid, accounting tools like QuickBooks or Xero, and traditional credit data where available. The MCUA combines all of it into a single, real-time Score that works whether you have a FICO score, a crypto wallet, or both. Maria clears another invoice. Her Score updates. An advance unlocks. The cycle breaks.What Is Live Right Now
AR/AP — Create invoices, send them, get paid. Every cleared invoice builds your Monaris Score. Your payment history becomes financial proof. Private Pay — Send and receive stablecoin payments that are private by default. Counterparties, amounts, and patterns are shielded from public view. One click. Zero gas. Monaris Score — A 0 – 1000 reputation score built from verified on-chain cashflow. The central product that makes everything else possible. Credit and BNPL are next.Instant Settlement Liquidity for Everyone
Instant — capital when you need it, not when your client decides to pay. Settlement — final, verified, on-chain. Not pending. Not promised. Liquidity — access to advances, credit, and BNPL backed by income you have already earned. For Everyone — not just people with bank accounts, FICO scores, and the right passport.The product suite
Monaris has six products. Each one works alone. Every one feeds the others. The thread connecting everything is the Monaris Score — a dynamic reputation built from real cashflow that gets more powerful the more you use the platform.Monaris AR/AP
Create invoices, send them, get paid. Every cleared invoice builds your Monaris Score. Your payment history becomes financial proof.
Monaris Private Pay
Send and receive stablecoin payments that are private by default. Counterparties, amounts, and patterns are shielded from public view.
Monaris Score
A 0–1000 reputation score powered by the MCA, blending on-chain cashflow with off-chain financial data. The central product that unlocks credit, trust, and identity.
Monaris Credit & BNPL
Borrow against your cashflow history. Advance invoices. Buy now, pay from your next invoice. All Score-backed.
Monaris Business
Full treasury OS for teams. Spend policies, payroll, multi-sig, vendor management, and a Team Score — all on stablecoin rails.
Mona AI
The intelligence layer across every product. Mona knows your cashflow, your Score, and your patterns — and tells you what matters before you ask.
How everything connects
Get started
Your first 10 minutes
Sign up, create an invoice or connect your wallet, and watch your Score start building.
Understand your Score
How the Score works, what it measures, and how to improve it.
Meet Mona
Your AI cashflow coach — direct, specific, and always working with your real numbers.
Glossary
Every term and definition used across Monaris, explained simply.