What is Monaris
A private financial operating system for the stablecoin economy. Onchain AR/AP, private payments, and income-backed credit, all tied together by one Score.
Stablecoins solved global settlement. They did not solve cashflow.
People earn in stablecoins, but the moment a payment lands it stops working. It builds no credit history, no financial identity, no access to capital against income already earned. Just a number in a wallet, waiting for the next invoice.
Monaris is the layer that makes stablecoin cashflow work. Every invoice, every cleared payment, every on-time obligation builds a Monaris Score, a real-time financial identity powered by the Monaris Credit Algorithm (MCA). That Score unlocks instant capital, BNPL, and credit backed by income you have already earned. Not collateral. Not a bank. Your own cashflow.
The one idea
Your cashflow is your credit score. Measure it, keep it private, and borrow against it.
What's live right now
Monaris AR/AP
Create invoices, send them, get paid. Every cleared invoice becomes financial proof.
Monaris Private
Send and receive stablecoins that are private by default. One click, zero gas.
Monaris Score
A 0 to 1000 reputation built from verified cashflow. The product that unlocks everything else.
Monaris Credit
Borrow against income history. Advances and BNPL that auto-repay from future invoices.
How everything connects
Every product is useful on its own, but they share one spine: the Score. Each one feeds it, and the Score in turn makes the next one more powerful. The more you use Monaris, the stronger your financial identity becomes.
- AR/APEvery cleared invoice builds your Score.
- PrivateEvery payment routes privately by default.
- ScoreYour cashflow history, turned into financial identity.
- CreditUnlocked by your Score, repaid from future invoices.
- MonaThe intelligence layer across all of it.
The four principles
- Measure first, change nothing. The MCA reads your existing cashflow. No new wallets, habits, or workflows required.
- Privacy is the default. Payments are private by default. Transparency is opt-in, never opt-out.
- Score before credit. Always. Credit is never shown until your Score has real depth: minimum 90 days of history and a qualifying tier.
- One platform, modular products. Use any product alone. All of them feed your Score.
Get value in 10 minutes
- Sign up at stg.monaris.co with Google or email.
- Create an invoice, or connect a wallet so Monaris reads your last 90 days of history.
- When the invoice clears, your Score gets its first points, automatically.
| Tier | What you need | What you unlock |
|---|---|---|
| Building (0 to 510) | Start using Monaris | AR/AP, Private, cashflow picture |
| Established (510 to 850) | 10+ invoices, $500+ volume | Score sharing, credit pre-approval |
| Trusted (850 to 1000) | 25+ invoices, $5,000+ volume | Full credit access, priority terms |