Who this is for
Anyone who gets paid for work — freelancers, contractors, consultants, agencies, or businesses — and wants that payment to count toward their Monaris Score.Before you start
You need two things:- A Monaris account (sign up at app.monaris.co with Google or email)
- Your client’s wallet address or email address
Step 1 — Create the invoice
In your dashboard, hit Create Invoice. Fill in:- Amount — the payment amount in your chosen stablecoin (USDC or USDT)
- Due date — when payment is expected
- Description — what the work is (optional, but recommended for your own records)
- Recipient — your client’s wallet address or email. If you use email, they get a link to view and pay the invoice in their browser
Step 2 — Send the invoice
Hit send. The invoice status becomes Issued. Your client receives it in one of two ways:- Monaris inbox — if they have a Monaris account, it appears directly in their inbox
- Email link — they click through to view the invoice and pay, no account required
Step 3 — Track the status
Every invoice moves through four stages in order:| Status | What it means |
|---|---|
| Issued | Invoice sent, not yet opened |
| Viewed | Client opened the invoice |
| Paid | Client initiated payment |
| Cleared | Payment confirmed, funds in your wallet |
Step 4 — Invoice clears, Score builds
When the invoice clears, two things happen automatically:- You receive the funds — settled in USDC or USDT, instantly
- Your Monaris Score updates — points are added based on the cleared invoice
What happens next
After your first cleared invoice:- Mona comments on the event — she might note it is your first cleared invoice, or that the client paid on time
- Your Score starts building — clear more invoices to move toward Established (Tier B) and eventually Trusted (Tier A)
- Client patterns emerge — over time, Monaris tracks which clients pay early, on time, or late
FAQ
Can my client pay without a Monaris account? Yes. They receive an email link, connect their wallet on the payment page, and pay directly. No signup required. What if my client does not pay on time? Mona sends automated, non-aggressive reminders. Overdue invoices affect the client’s payment pattern in your records, not your Score. What stablecoins can I invoice in? USDC and USDT in V1.Full AR/AP guide
Complete guide to Automated Receivables, Automated Payouts, pricing, and more.