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The cashflow picture is Monaris’s view of your last 90+ days of stablecoin activity. It turns raw transactions into a structured, categorized timeline that feeds your Score, powers Mona’s insights, and gives you a clear view of where your money comes from and where it goes.

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Who this is for

Anyone who has connected their wallet to Monaris and wants to understand their financial position — income patterns, expenses, client concentration, and runway.

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What you see

When you connect your wallet, Monaris builds your cashflow picture automatically: Income timeline — every inflow, categorized and labeled. Who paid you, how much, and when. Recurring income patterns are detected and highlighted. Expense timeline — every outflow, categorized. What you paid, to whom, and how often. Recurring obligations are flagged. Client concentration — Monaris detects when a high share of your income comes from one source. If more than 50% of your income in a period comes from one counterparty, Monaris flags it as a concentration risk. Mona will tell you exactly what it means:
“Client A makes up 58% of your income this month. If they delay their next payment, your runway drops from 8 weeks to 3 weeks. Worth knowing.”
Runway calculation — based on your inflows, outflows, and obligations, Monaris estimates how many weeks of financial runway you have at your current pace. Upcoming predicted income — based on recurring patterns, Monaris shows what it expects you to receive in the next 30 days.

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How it feeds your Score

Three of the six Monaris Score signals come directly from your cashflow picture:
  • Income stability — how regular and predictable your inflows are
  • Client diversity — how many distinct paying clients you have
  • Volume history — your total verified transaction volume over time
A clearer, more consistent cashflow picture supports a stronger Score over time.

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V1 vs V2

V1 (Available Now):
  • Wallet connect + cashflow timeline
  • Auto-categorization (income, expenses, transfers, unknown)
  • Client concentration detection
  • Mona commentary on wallet history
Available in V2:
  • Recurring income detection and labeling
  • Cashflow forecast — “Based on your history, expect $X in the next 30 days”
  • Savings sweep rule — auto-move a percentage of any inflow to a savings address
  • Spending category rules — limits per category
  • Multi-chain support (phased rollout)

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How to get started

  1. Sign in at app.monaris.co
  2. Connect your wallet (MetaMask or WalletConnect)
  3. Your cashflow picture builds automatically from your last 90 days
  4. Mona generates her first insight immediately

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FAQ

How far back does the cashflow picture go? Minimum 90 days from your connected wallet. Deeper history may be available depending on chain data. Can I manually categorize transactions? Auto-categorization handles most transactions. Manual overrides and refinements will be available in V2. Does my cashflow picture affect my privacy? Your cashflow data is processed internally. It is never shared with third parties without your consent. Outgoing payments remain private by default through the Privacy Router.