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Monaris AR/AP is a complete invoicing and payout system where every invoice you create and clear builds your Monaris Score. Your payment history becomes financial proof. Your clients become reputation signals. Your invoices become the foundation of your credit identity.

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Who it is for

Freelancers and contractors who get paid by multiple clients. Remote workers receiving stablecoin payments. Small businesses with recurring invoices. Any individual or company replacing bank wire invoices with stablecoin settlements.

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How it works

The core loop is simple — and every cycle makes you more creditworthy: 
Create invoice → Send to client → Client pays → Invoice clears
→ Score updates (+points) → Credit access improves → Repeat
Every cleared invoice is not just a payment confirmation. It is a data point — proof of a business relationship, a payment pattern, a counterparty’s reliability, and your own cashflow consistency.

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Automated Receivables (AR)

AR is the money coming in. Create professional invoices with custom fields — amount, due date, description, and payment terms. Send invoices directly to a client’s wallet address or email. Your client receives the invoice in their Monaris inbox or via a link. One-click payment. When a client opens an invoice, they pay in a single click. Payment settles in USDC or USDT instantly. No waiting for bank processing, no 3-day holds, no international wire fees. Track everything automatically. Every invoice moves through four stages:
StatusWhat it means
IssuedSent, not yet opened by recipient
ViewedRecipient opened the invoice
PaidRecipient initiated payment
ClearedPayment confirmed, funds received
Score builds automatically. Every cleared invoice adds points to your Monaris Score. You do not need to do anything extra — the system handles it. Overdue invoice handling. Mona watches every invoice. When one goes overdue, she sends the client a reminder — automated and non-aggressive. She also tracks client payment patterns over time: who pays early, who pays late, and who you should be careful with.

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Automated Payouts (AP)

AP is the money going out. Manage what you owe — vendor payments, contractor payouts, and recurring obligations. Schedule payments to go out automatically on set dates. Set up vendor allowlists so only approved addresses can receive payouts. Multi-sig approval for large payouts. When you are part of a team, transactions above a set threshold can require multiple approvals before they execute. Everything reconciled. Every payout is recorded automatically. Outgoing payments feed your obligations coverage score — one of the six signals that builds your Monaris Score.

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What Mona does in AR/AP

Mona watches every invoice and surfaces insights without being asked:
“Your invoice to Client A is 7 days overdue. Want me to send them a reminder?”
“Client B has paid early three times in a row. That is your strongest counterparty.”
“You have $8,400 in outstanding receivables due this week. Your next 7 days look strong.”
“You cleared your 10th invoice. You have unlocked Established — here is what just changed for you.”

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Pricing

TierPriceWhat you get
Free$0/monthBasic invoicing, Score building, inbox
Solo$19/monthRecurring templates, client analytics, Mona reminders
Business$79/monthUnlimited invoices, client health scores, priority support, AP automation
EnterpriseCustomCustom workflows, multi-user, API access, dedicated onboarding

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Why it is different from every other invoicing tool

QuickBooks collects your invoice data and does nothing with it. Monaris turns every invoice into a data point that builds a financial identity. That identity unlocks credit, advances, and capital access. No other invoicing tool does this — because no other invoicing tool was built for the stablecoin economy.

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How to get started

  1. Sign in at app.monaris.co
  2. Hit Create Invoice
  3. Enter the amount, due date, description, and recipient
  4. Send the invoice
  5. When it clears, your Score updates automatically
Your first invoice is the first step toward financial identity on-chain.

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FAQ

Do my clients need a Monaris account to pay? No. Clients can pay via a link sent to their email. They connect their wallet on the payment page and complete the transaction. They can create a Monaris account later if they want. What stablecoins are supported? USDC and USDT for V1. Additional stablecoins will be added in future versions. Can I create recurring invoices? Recurring invoice templates are available on the Solo plan ($19/month) and above. What happens if a client does not pay? Mona sends automated reminders at 7 days and 30 days overdue. Overdue invoices affect your client’s payment pattern tracking but do not reduce your own Score — the non-payment is the client’s behavior, not yours. How do cleared invoices affect my Score? Each cleared invoice adds points and strengthens your payment consistency and volume history signals. The exact point value depends on your current Score and how the invoice relates to your overall pattern.