Private finance for the stablecoin economy

Your cashflow is your credit score.

Onchain AR/AP, private-by-default payments, and income-backed credit. Every cleared invoice builds a real-time financial identity. No bank, no bureau, no collateral.

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Buyer paysone transactionFeeprotocolRepay vaultLP advanceSellerinstant

Settlement Waterfall$24,000.00 USDC

Monaris AR/AP

Create invoices, send them, get paid. Every cleared invoice builds your Score.

Monaris Private

Send and receive stablecoins that are private by default. One click, zero gas.

Score & Credit

A 0 to 1000 cashflow reputation that unlocks income-backed credit and BNPL.

Mona AI

The intelligence layer across every product, built on your real numbers.

Ready to get started?

Create your first invoice in under a minute. No credit checks, no paperwork.

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