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Documentation Index

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B2B Pay Later bridges the gap between when your business needs to pay and when you want to pay. Your vendor gets USDC immediately — 100%, no discount. Your business repays Monaris on an agreed schedule based on your Team Score.

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Who it is for

Crypto-native companies, DAOs, remote teams, and stablecoin-native businesses that want flexible payment terms without impacting their immediate cash position. Any business buying services, tools, or inventory from a vendor and preferring to spread payment over 30–90 days.

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How it works

Your business needs to purchase $20,000 of services from a vendor. You would prefer to pay over 60 days. Your vendor wants payment now. Monaris bridges this. 
Your business selects B2B Pay Later at checkout or requests terms
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Team Score check — your company's aggregate cashflow reputation
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Terms approved: Net 30, Net 60, Net 90, or installment plan
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Vendor receives USDC immediately — 100%, no discount
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Your business repays Monaris on the agreed schedule
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On-time repayment strengthens your Team Score
The vendor is always made whole immediately. They receive 100% of the purchase price in USDC the moment the transaction is approved. B2B Pay Later is your company’s relationship with Monaris, not the vendor’s problem.

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Payment terms

TermHow it works
Net 30Full payment due in 30 days
Net 60Full payment due in 60 days (interest may apply)
Net 90Full payment due in 90 days (interest may apply)
Installment3–12 monthly payments
Interest applies to 60+ day terms. All rates are based on your Team Score and disclosed before confirmation.

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Underwriting

B2B Pay Later is underwritten by the Monaris Team Score — your company’s aggregate cashflow reputation, built from business activity across all team members. Every vendor payment made on time, every payroll executed reliably, and every client payment received and reconciled feeds the Team Score.

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Why this does not exist yet

Every B2B BNPL company operates in fiat. None underwrite on-chain cashflow history. None serve global remote teams or DAOs. The B2B commerce market is $120 trillion annually with less than 1% BNPL penetration. The stablecoin-native slice of that market is entirely unserved. Monaris is first.

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Availability

B2B Pay Later is available in V3 as part of the Monaris Business product suite. It requires a Team Score built from business activity on the Monaris platform.
Monaris Credit and BNPL products are subject to eligibility requirements including minimum Monaris Score, verified cashflow history, and transaction volume thresholds. Credit products involve risk. This documentation is informational only and does not constitute financial or legal advice. Product availability varies by jurisdiction.

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FAQ

Does the vendor need to be on Monaris? The vendor needs to accept USDC. They do not need a Monaris account — they simply receive payment to their wallet. How is the Team Score different from an individual Score? The Team Score reflects the company’s aggregate financial behavior — vendor payments, payroll reliability, client payment patterns — across all team members. It is a company-level credit signal. What happens if we miss a payment? The same grace and recovery process as individual credit applies. See Monaris Credit for the full default management process. Can a DAO use B2B Pay Later? Yes. Any entity managing treasury through Monaris Business can build a Team Score and access B2B Pay Later, including DAOs with multi-signature governance.