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You can get value from Monaris in under 10 minutes. Here is exactly what happens when you show up.

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Who this is for

Anyone who earns, pays, or receives stablecoins and wants their financial activity to mean something — freelancers, contractors, remote workers, small teams, and crypto-native businesses.

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Step 1 — Sign up

Go to app.monaris.co. Create an account with Google or email. That is it.

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Step 2 — Choose your starting point

Onboarding gives you two paths. You can do both. Order does not matter.

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Path A: Create your first invoice

If you get paid for work, start here. This is the fastest way to begin building your Monaris Score.
  1. Hit Create Invoice in the dashboard
  2. Fill in the details: amount (in USDC or USDT), due date, description, and recipient (their wallet address or email)
  3. Send the invoice — your recipient gets it in their Monaris inbox or via email link
  4. When they pay, the invoice moves through four stages: Issued → Viewed → Paid → Cleared
  5. When the invoice clears, your Monaris Score gets its first points — automatically
That first cleared invoice is the first data point of your financial identity. Nine more get you to Tier B and your first credit access.

Full invoice guide

Step-by-step with field-by-field instructions.

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Path B: Connect your wallet

If you already have stablecoin transaction history, start here. Monaris reads your history and builds your cashflow picture immediately.
  1. Connect your wallet — MetaMask or WalletConnect (EVM-compatible)
  2. Monaris reads your last 90 days of on-chain transaction history
  3. Your cashflow timeline appears — inflows and outflows, categorized automatically
  4. Mona generates her first insight about your money — a real observation drawn from your actual data
  5. Your Monaris Score begins calculating from your on-chain history
Connecting is read-only. Monaris does not move your funds without your explicit action.

Wallet connection guide

Supported wallets, what Monaris reads, and how privacy works.

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Path C: Connect off-chain accounts (Available in V2)

Already have a bank account, credit history, or accounting data? Connect it. The Monaris Credit Algorithm (MCA) blends off-chain data with on-chain signals to build a stronger, faster Score.
  • Plaid: connect your bank account to verify income deposits, balance history, and spending patterns
  • Credit Karma: pull in your existing credit score as an additional signal (your FICO score helps your Monaris Score, but is not required)
  • QuickBooks / Xero: sync accounting data for revenue verification and expense categorization
  • Payroll verification: verify employment income via zkTLS proof without exposing raw data
Each off-chain source you connect strengthens your Score. Users with both on-chain and off-chain data connected typically build toward higher tiers faster.

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Step 3 — See your dashboard

Once you have created an invoice, connected a wallet, or linked off-chain accounts, your dashboard shows:
  • Your Monaris Score — current number, tier label (Building, Established, or Trusted), and a progress bar to the next tier
  • Recent activity — your latest invoices and payments
  • Mona’s insight — one specific, data-backed observation about your cashflow right now
  • Tier progress — exactly how many points or cleared invoices until your next milestone
  • Data sources — which on-chain and off-chain accounts are connected and contributing to your Score

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The four principles

Everything in Monaris follows these rules: 1. Measure first, change nothing. The MCA reads your existing cashflow, on-chain and off-chain. You do not need to change wallets, habits, or workflows to get value. 2. Privacy is the default. Payments through Monaris are private by default. Transparency is opt-in, not opt-out. 3. Score before credit. Always. Credit is never shown until your Score has enough depth — minimum 90 days of cashflow history and a qualifying tier. No premature credit offers. No dark patterns. 4. One platform, modular products. Use any product alone. All of them feed your Monaris Score. The more you use, the more powerful your financial identity becomes.

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What to do next

Understand your Score

How the Score works, what the six signals are, and what each tier unlocks.

Meet Mona

Your AI cashflow coach — what she notices, when she speaks, and why she is different.

Your cashflow picture

How to read your timeline, understand concentration risk, and see your runway.

Score tiers explained

Building, Established, Trusted, Verified+ — what they mean and what they unlock.