Monaris AR/AP
Create invoices, track payments, manage payouts. Every cleared invoice builds your Monaris Score.
Monaris AR/AP is invoicing and payouts where every cleared invoice becomes financial proof. Your payment history turns into a credit identity. Built for anyone replacing bank wires with stablecoin settlement: freelancers, contractors, remote workers, and small teams.
The core loop
The loop is simple, and every cycle makes you more creditworthy.
A cleared invoice is not just a payment. It is a data point: proof of a relationship, a payment pattern, a counterparty's reliability, and your own cashflow consistency.
Receivables (AR), money coming in
- Professional invoices with amount, due date, description, and terms. Send to a wallet address or email; the client pays in one click.
- Instant settlement in USDC or USDT. No bank holds, no wire fees, no 3-day wait.
- Automatic Score building. Every cleared invoice adds points, you do nothing extra.
Every invoice moves through four stages:
| Status | What it means |
|---|---|
| Issued | Sent, not yet opened |
| Viewed | Recipient opened it |
| Paid | Payment initiated |
| Cleared | Funds received, Score updates |
Payouts (AP), money going out
- Manage what you owe: vendor payments, contractor payouts, recurring obligations.
- Schedule and automate payments, with vendor allowlists so only approved addresses receive funds.
- Multi-sig approval for payouts above a set threshold.
- Outgoing payments feed your obligations coverage, one of the six Score signals.
What Mona does here
Mona watches every invoice and surfaces insights without being asked.
"Your invoice to Client A is 7 days overdue. Want me to send a reminder?"
"Client B has paid early three times in a row. That's your strongest counterparty."
"You cleared your 10th invoice. You've unlocked Established, here's what changed."
Why it's different
QuickBooks collects your invoice data and does nothing with it. Monaris turns every invoice into a data point that builds a financial identity, one that unlocks credit, advances, and capital. No other invoicing tool does this, because none were built for the stablecoin economy.
Get started
Sign in at stg.monaris.co, hit Create Invoice, enter the amount, due date, description, and recipient, and send. When it clears, your Score updates automatically.
FAQ
Do clients need a Monaris account to pay? No. They pay via an email link, connect a wallet on the payment page, and complete the transaction.
Which stablecoins? USDC and USDT for V1; more to follow.
What if a client doesn't pay? Mona sends automated reminders at 7 and 30 days. Non-payment is the client's behavior, so it does not reduce your Score.
How do cleared invoices affect my Score? Each one strengthens your payment consistency and volume history. The exact points depend on your current Score and overall pattern.
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.
Monaris Private
Private-by-default stablecoin payments. Counterparties, amounts, and patterns are shielded. One button, zero gas, no protocol to learn.