Who it is for
Crypto-native companies paying employees and contractors in stablecoins. DAOs managing multi-signature treasury and recurring payouts. Global remote teams with members in multiple countries. Scaling startups that have outgrown manual treasury management. Any company where 3+ people are already using Monaris individually.How it works
The natural path is bottom-up. Freelancers and contractors start on individual Monaris. Their clients join to pay invoices. Their clients’ businesses start using Monaris AR/AP. Three people at a company using Monaris individually creates an obvious need for shared controls — and that is Monaris Business.Core features
Multi-user workspace
Role-based access for your team: Owner, Admin, Member, and Viewer. Each role has precise permissions. Owners set policies. Admins manage daily operations. Members execute within policy limits. Viewers observe without access to initiate transactions.Spend policies
Per-user limits, per-category limits, and approval thresholds. Set rules like “any payment above 10,000/month.” Policies enforce themselves — no manual oversight needed after setup.Vendor allowlists
Only approved wallet addresses can receive outgoing payments. This prevents unauthorized transfers and ensures every payout goes to a verified destination. Add, remove, or update approved vendors from the admin dashboard.Payroll scheduling
Recurring stablecoin payroll on any cadence — weekly, biweekly, monthly, or custom. Payroll auto-executes on schedule. Team members receive their payment in USDC or USDT directly to their wallet. Tax exports are available for compliance purposes.Multi-signature approval
Transactions above a set threshold require multiple approvals before they execute. Configure the threshold and the number of required signatures based on your team’s governance model. This works natively with DAO governance structures.Team Monaris Score
Your company’s aggregate cashflow reputation, updated in real time. Every vendor payment made on time, every payroll executed reliably, every client payment received and reconciled — these all feed the Team Score. The Team Score unlocks B2B Pay Later, higher BNPL limits, and establishes the company’s creditworthiness without a single bank statement.Privacy layer
All team payments are private by default, with compliance mode available. Team-level privacy policies can be enforced across all members from the admin dashboard.CFO dashboard
A single view for the person managing the money: burn rate, runway, payroll obligations, outstanding receivables, and cashflow forecast — all powered by real-time data and Mona’s intelligence.Mona for teams
Proactive treasury alerts, runway warnings, and concentration flags for the business entity:“Payroll for next week is 31,000 in confirmed receivables due before then. Comfortable, but worth monitoring.”
“Vendor B has not been paid in 45 days. This is affecting your Team Score. Want to schedule this payment?”
Pricing
| Plan | Price | What you get |
|---|---|---|
| Starter | $49/seat/month (up to 5 seats) | Spend policies, payroll, shared dashboard, Team Score |
| Growth | $39/seat/month (6–20 seats) | Everything in Starter + vendor allowlists, approval workflows, multi-sig, B2B BNPL access |
| Enterprise | Custom (20+ seats) | Everything in Growth + custom policy engine, dedicated support, SLA, white-label option |
Availability
Monaris Business is available in V3. The full treasury OS — multi-user workspace, spend policies, payroll scheduling, vendor management, Team Score, and CFO dashboard — launches as part of the V3 release.