# Monaris Docs ## Docs - [Integration guide](https://docs.monaris.co/api/integration-guide.md): How to embed Monaris Pay or Score into a third-party app - [API overview](https://docs.monaris.co/api/overview.md): Authentication, base URL, and rate limits - [Privacy API](https://docs.monaris.co/api/privacy-api.md): Selective disclosure proofs and compliance disclosure - [Score API reference](https://docs.monaris.co/api/score-api.md): Endpoints, request/response schema, and consent requirements - [Webhook events](https://docs.monaris.co/api/webhooks.md): Invoice events, Score events, and payment events - [Payroll scheduling](https://docs.monaris.co/business/payroll.md): Automated stablecoin payroll for teams — set the cadence, Monaris handles the rest - [Spend policies](https://docs.monaris.co/business/spend-policies.md): Per-user limits, per-category limits, and approval thresholds for Monaris Business teams - [Team Monaris Score](https://docs.monaris.co/business/team-score.md): How the company-level reputation score is built from business activity - [Monaris Business: Complete Guide](https://docs.monaris.co/business/teams.md): Full treasury operating system for teams that run on stablecoins — spend policies, payroll, multi-sig, and Team Score - [BNPL for the stablecoin economy](https://docs.monaris.co/concepts/bnpl-stablecoin-economy.md): Why traditional BNPL fails stablecoin users and how Monaris is different - [What is cashflow-backed credit?](https://docs.monaris.co/concepts/cashflow-underwriting.md): The new model of lending — based on what you earn and how reliably you earn it - [The Monaris flywheel explained](https://docs.monaris.co/concepts/flywheel.md): How all six products compound each other — and why the moat gets deeper over time - [Why your invoice history is your most valuable financial asset](https://docs.monaris.co/concepts/invoice-history-asset.md): Every invoice is proof — of income, reliability, relationships, and creditworthiness - [How private payments work on blockchain](https://docs.monaris.co/concepts/privacy-on-blockchain.md): Why public chains expose too much, and how Monaris makes payments private by default - [B2B Pay Later: Complete Guide](https://docs.monaris.co/credit/b2b-pay-later.md): Flexible payment terms for business purchases — your vendor gets paid now, you repay on schedule - [Invoice Advance: Complete Guide](https://docs.monaris.co/credit/invoice-advance.md): Get up to 90% of an outstanding invoice today — repay automatically when your client pays - [Monaris Credit: Complete Guide](https://docs.monaris.co/credit/monaris-credit.md): Borrow against your cashflow history — not collateral. Score-backed credit with automatic repayment from future invoices. - [Pay Later: Complete Guide](https://docs.monaris.co/credit/pay-later.md): Buy now, pay from your next invoice — BNPL for the stablecoin economy - [Your first 10 minutes with Monaris](https://docs.monaris.co/getting-started.md): Sign up, create your first invoice or connect your wallet, and start building your Monaris Score - [What is Monaris](https://docs.monaris.co/index.md): The first private cashflow OS for the stablecoin economy. Enabling Instant Settlement Liquidity for Everyone - [Monaris AR/AP: Complete Guide](https://docs.monaris.co/invoices/ar-ap-guide.md): Create invoices, track payments, manage payouts, and build your Monaris Score — all from one system - [Creating your first invoice](https://docs.monaris.co/invoices/creating-first-invoice.md): Step-by-step guide to creating, sending, and tracking your first Monaris invoice - [Paying an invoice](https://docs.monaris.co/invoices/paying-invoice.md): The recipient experience — how to view and pay a Monaris invoice - [Asking Mona questions](https://docs.monaris.co/mona/asking-mona.md): The conversational interface — ask Mona about your cashflow, Score, risk, and next steps - [Meet Mona: Your AI cashflow coach](https://docs.monaris.co/mona/meet-mona.md): Direct, specific, proactive — Mona knows your numbers and tells you what matters before you ask - [What Mona notices](https://docs.monaris.co/mona/what-mona-notices.md): The complete list of events that trigger a Mona insight — every invoice, Score, cashflow, and credit event - [Your cashflow picture](https://docs.monaris.co/pay/cashflow-picture.md): How to read your timeline, understand concentration risk, and see your financial runway - [Monaris Private Pay: Complete Guide](https://docs.monaris.co/pay/private-pay-guide.md): Private payment and settlement rail built on RAILGUN's shielded pool - [Key Derivation — How Privacy Wallets Work](https://docs.monaris.co/privacy/key-derivation.md): How Monaris derives a private wallet from your existing address — no extra setup, no separate keys to manage - [Private Payment Modes](https://docs.monaris.co/privacy/private-payment-modes.md): Two ways to pay privately today — and the Private Payment Router coming in V2 that makes private payments the default for all of Monaris - [Secrets as a Service](https://docs.monaris.co/privacy/secrets-as-a-service.md): Programmable privacy rules, selective disclosure, and compliance mode — full control over what stays private and what you prove - [Shield & Unshield Flows](https://docs.monaris.co/privacy/shield-unshield.md): How funds move between your public wallet and private balance — the engine behind zero-knowledge payments - [Quickstart](https://docs.monaris.co/quickstart.md): The fastest path from signup to a working Monaris Score - [Credit tiers and eligibility](https://docs.monaris.co/reference/credit-tiers.md): Complete reference for Monaris Credit and BNPL eligibility by Score tier - [Glossary](https://docs.monaris.co/reference/glossary.md): Every term used in Monaris, explained in plain language - [Privacy settings reference](https://docs.monaris.co/reference/privacy-settings.md): Complete reference for privacy defaults, controls, and disclosure options across all Monaris products - [Roadmap](https://docs.monaris.co/reference/roadmap.md): What is live now, what is coming in V2, V3, and beyond - [MCA score calculation reference](https://docs.monaris.co/reference/score-calculation.md): Complete reference for every signal, weight, and threshold in the Monaris Credit Algorithm - [Settlement Waterfall Specification](https://docs.monaris.co/reference/settlement-waterfall.md): Exact flow when a buyer calls payInvoice() — validation, transfer, fee calculation, distribution, and finalization - [Smart Contracts Reference](https://docs.monaris.co/reference/smart-contracts.md): Live contract addresses, invoice lifecycle, and reputation system - [Supported wallets and chains](https://docs.monaris.co/reference/supported-wallets-chains.md): What wallets, stablecoins, and blockchain networks work with Monaris - [MCA signal reference](https://docs.monaris.co/score/score-calculation.md): Complete reference for every signal the Monaris Credit Algorithm uses to build your Score - [Sharing your Score](https://docs.monaris.co/score/sharing-score.md): Score Card, Public Profile, Selective Disclosure — share your financial identity on your terms - [Score Tiers: Building, Established, Trusted, Verified+](https://docs.monaris.co/score/tiers-explained.md): What each Monaris Score tier means, what it requires, and what it unlocks - [Understanding the Monaris Score](https://docs.monaris.co/score/understanding-score.md): A 0–1000 reputation score powered by the Monaris Credit Algorithm (MCA) — blending on-chain cashflow with off-chain financial data ## OpenAPI Specs - [openapi](https://docs.monaris.co/api-reference/openapi.json) ## Optional - [App](https://app.monaris.co)