Monaris Score & Credit
A 0 to 1000 cashflow reputation built from verified financial activity, and the income-backed credit it unlocks.
The Monaris Score is the center of the platform. Every product feeds it; everything valuable is unlocked by it. Think of it as a credit score, but real-time, global, privacy-preserving, and built on data that reflects your actual financial reality.
Traditional credit looks backward at debt repayment. The Score looks at income reality: how reliably you earn, how consistent your clients are, how diversified your income is, and whether you can cover your obligations. For stablecoin earners, these are the only questions that matter, because no bureau has their data.
The Score
Six signals
The Monaris Credit Algorithm (MCA) weighs six on-chain signals, each updated in real time.
- Payment consistency, what share of invoices clear on time. The strongest signal.
- Income stability, how regular and predictable your inflows are. Regularity beats size.
- Client diversity, how many distinct paying clients you have. Single-client dependency is a risk.
- Obligations coverage, whether you reliably pay what you owe.
- Volume history, verified total volume over time. Thresholds prevent gaming.
- Account depth, how long you've built verifiable history. Time can't be faked.
No black boxes
Every Score display shows exactly why you have the number you have, and the fastest path to the next tier. "Add one new paying client. That single signal is worth about 80 pts."
What each tier unlocks
| Score | What you can access |
|---|---|
| Any | AR/AP, Private, cashflow picture |
| 510+ (Established) | Score sharing, selective disclosure, credit pre-approval |
| 700+ | Monaris Credit eligibility, Invoice Advance |
| 850+ (Trusted) | Priority credit terms, full BNPL access |
How to improve it
Clear invoices on time, grow verified volume, diversify clients, and build history. On-time repayment of credit (V2) and connecting off-chain data (bank via Plaid, accounting via QuickBooks or Xero, payroll via zkTLS) each give the MCA more signal for a stronger, faster Score.
The Credit
Monaris Credit is the PayFi layer. Borrow against your income history, not crypto holdings, not a co-signer, not collateral. The MCA is the underwriting engine, and repayment is automatic, deducted from future invoice clearances.
Credit tiers by Score
| Score Tier | Max Credit | APR | Origination |
|---|---|---|---|
| Established (510 to 850) | Up to $5,000 | 10 to 14% | 2% |
| Trusted (850 to 1000) | Up to $50,000 | 6 to 10% | 1.5% |
| Verified+ (invite) | Up to $250,000 | 5 to 8% | 1% |
The repayment model
This is the most important thing to understand: you never "remember to repay." When your next invoice clears, the installment is deducted automatically. Invoice comes in for $2,000 with a $400 installment? You receive $1,600, and the $400 is handled.
Mona: "Invoice cleared $2,000. Credit installment $400 deducted. $1,600 sent to your wallet."
This removes the single biggest cause of default: not having the cash ready when payment is due.
Eligibility
Credit is never surfaced before your Score has depth. Minimum: Score 700+, 90 days of verified history, $5,000+ volume, and active invoicing. No offers, pre-approvals, or APRs are shown to anyone below the bar.
Availability
Credit pre-approval display is in V2 (waitlist). Invoice Advance is in V2 for qualifying users. Full credit launches in V3, invite-only first. Credit products involve risk; this is informational only and not financial advice. Availability varies by jurisdiction.
FAQ
Can the Score be gamed? No. It requires both points (real behavior) and volume (real money moving). Fake $1 invoices reach no meaningful tier.
How often does it update? In real time. Every cleared invoice, payment, or pattern change triggers a recalculation.
Is my Score visible to others? Private by default. You choose when, what, and with whom to share.
Does taking credit lower my Score? Taking it, no. On-time repayment raises it; late repayment lowers it. The net effect is your repayment behavior.
How is this different from DeFi lending? DeFi over-collateralizes: you lock more than you borrow. Monaris Credit needs no collateral; it's underwritten by your cashflow. You borrow on what you earn, not what you already hold.