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Monaris Private Pay is the payment and settlement rail. It is how money moves through Monaris — privately, programmably, and with intelligence attached. Every payment is private by default. Counterparties, amounts, and patterns are shielded from public blockchain visibility unless you explicitly choose to make them visible.

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Who it is for

Anyone making or receiving stablecoin payments who does not want their financial activity visible to everyone on-chain. Specifically:
  • Businesses paying vendors without revealing supplier relationships to competitors
  • Freelancers receiving payments without exposing client identity or income amounts
  • Teams running payroll without broadcasting salary information publicly
  • Anyone who wants the benefits of stablecoin settlement without the downside of total financial transparency

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The problem Monaris solves

On a public blockchain, every transaction is visible to everyone, forever. When a company in San Francisco pays a developer in Manila $5,000 in USDC, that payment — the exact amount, the sender’s wallet, the receiver’s wallet, and the exact timestamp — is permanently visible to anyone with an internet connection. Competitors can map your supplier relationships. Clients can see who else you work with. Anyone can track your income patterns. This is not a hypothetical privacy concern. This is the current reality of on-chain payments. Monaris fixes this.

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How Private Pay works

You initiate a payment through Monaris
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Privacy Router intercepts (automatic — no setup needed)
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Payment routes through privacy-preserving settlement path
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Amount and counterparty are NOT visible on the public chain
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Recipient receives full payment
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Both parties receive an encrypted private receipt
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Your Monaris Score updates with the verified payment signal
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On-chain: only a proof-of-payment exists — verifiable, not readable
The Privacy Router activates automatically. You do not need to configure anything, toggle any setting, or pay extra for basic privacy. It is the default.

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Secrets as a Service — Programmable Privacy

Beyond default privacy, you can set rules that determine what stays private and what can be disclosed. These rules run automatically without any action needed each time. Examples of rules you can set:
  • “All payments above $5,000 are always private”
  • “All payments to Vendor A are private”
  • “Payroll payments are private — but generate a verifiable receipt”
  • “Private by default — except when I choose to share a proof”
  • “All payments private — my Score data is shareable for credit purposes”

Deep dive: Secrets as a Service

Full guide to programmable privacy rules, selective disclosure, and compliance mode.

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Selective Disclosure — Privacy and proof together

This is the most important insight about Monaris Private Pay: privacy and verifiability are not opposites. A payment can be completely private on-chain while simultaneously:
  • Generating a cryptographic proof that the payment happened (for the recipient’s confirmation)
  • Proving the amount was within a range (for a lender checking your income)
  • Proving the payment was on time (for your Monaris Score)
  • Generating a verifiable receipt for tax purposes
You decide what is secret. You decide what is provable. These are two separate controls.

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Your cashflow picture

When you connect your wallet, Monaris reads your last 90 days of on-chain history and shows you:
  • Complete income timeline — every inflow, categorized
  • Complete expense timeline — every outflow, categorized
  • Client concentration — “Client A makes up 58% of your income. If they are late, here is your risk.”
  • Runway calculation — “Based on your inflows and obligations, you have approximately 6 weeks of runway.”
  • Upcoming predicted income — based on recurring patterns
  • Cashflow health score — one number that tells you how stable your financial position is

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What Mona does here

Mona watches every payment and surfaces insights in real time:
“This payment is routing privately. Only you and the recipient will see the details.”
“You received a larger-than-usual payment. Want to set up a savings sweep for this one?”
“Client A is 58% of your income this month — that is a concentration risk worth knowing about.”
“Your cashflow looks strong for the next 30 days. You have $12,000 in expected inflows.”

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Privacy tier by account

FeatureFreePay UserBusiness
Private payments by default✓✓✓
Custom privacy per transaction—✓✓
Programmable privacy rules——✓
Selective disclosure proofs—✓✓
Team privacy policy——✓
Compliance disclosure mode—✓✓

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Compliance Mode — For regulated users

Some users need to disclose payment information to regulators on request without making everything public. Compliance Mode enables targeted disclosure:
  • Share only with a named regulatory authority — not the public chain
  • Full audit log of every disclosure: what was shared, with whom, when
  • User is notified before any disclosure is made
  • Privacy remains intact for all other purposes

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Availability

Monaris Private Pay — including the Privacy Router, Secrets as a Service, programmable privacy rules, and selective disclosure — is available in V2. Default privacy for payments sent through Monaris is active from V1.

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How to get started

  1. Sign in at app.monaris.co
  2. Connect your wallet (MetaMask or WalletConnect)
  3. Send a payment through Monaris — it routes privately by default
  4. Check your cashflow picture — Monaris builds it from your last 90 days automatically

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FAQ

Do I need to do anything to make payments private? No. Privacy is the default. Every payment through Monaris routes through the Privacy Router automatically. Can I make a payment public if I want to? Yes. Transparency is opt-in. You can choose to make specific payments visible on-chain. Does privacy affect my Monaris Score? No. Your Score is calculated from internal verified signals. Privacy does not reduce your Score — it is designed to coexist with full Score functionality. Can I share proof of a private payment? Yes. Selective disclosure lets you generate a cryptographic proof of any specific claim — that a payment happened, that it was on time, that the amount was within a range — without revealing the underlying details. What about tax reporting? Private payments generate verifiable receipts that you can use for tax purposes. Compliance Mode lets you share information with specific authorities without making it public.