Monaris Private Pay: Complete Guide

Documentation Index

Fetch the complete documentation index at: https://docs.monaris.co/llms.txt

Use this file to discover all available pages before exploring further.

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What it is

A private payment and settlement rail built on RAILGUN’s shielded pool. All payments through Monaris Private Pay are private by default — counterparties, amounts, and patterns are shielded from public chain view. Users never touch a protocol. They see one button: “Pay privately.”

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The core UX breakthrough

Most privacy solutions force users through a multi-step setup: create a separate privacy wallet, fund it, manage two balances, and interact with unfamiliar protocols. Monaris removes all of that. The result: privacy that feels like a feature toggle, not a protocol migration.

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Who it is for

Anyone who sends or receives stablecoins and does not want their payment history, client relationships, or financial patterns visible on a public blockchain.

• 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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How it works (user perspective)

1. User logs into Monaris with their Privy wallet (0x address) — no extra step
2. On first login, Monaris derives a RAILGUN wallet silently in the background
3. User clicks “Shield” to move USDC from public balance into private balance
4. From this point, user can send private payments — one click, gasless
5. Recipient receives full amount — private receipt stored in account
6. Invoice is marked cleared — Score signal registered
7. User can “Unshield” to move funds back to public balance anytime

What the chain sees: A ZK proof that a valid transaction occurred. Not who paid whom. Not the amount. Not the counterparty. What the user sees: “Payment sent privately.” Receipt in account. Invoice cleared.

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Privacy guarantees

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Selective Disclosure (V2)

Users will be able to generate ZK proofs that prove specific claims without revealing underlying data:

• “This invoice was paid on time” — without revealing the amount
• “My income exceeded $3,000 this month” — without revealing individual payments
• “My Score is above 700” — without revealing transaction history

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Privacy architecture deep-dive

For developer-grade technical details on the privacy system:

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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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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”

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Privacy tier by account

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How to get started

1. Sign in at app.monaris.co
2. Connect your wallet — Monaris derives your private wallet silently
3. Shield USDC to move funds into your private balance
4. Send a private payment — one click, gasless, fully shielded

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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 privately automatically. Do I need to create a separate 0zk wallet? No. Monaris derives your RAILGUN wallet automatically from your existing Privy wallet on first login. You never see or manage a 0zk address. 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. Is the proof generation done on a server? No. All ZK proof generation, key derivation, and wallet management runs entirely in the browser. Monaris servers never see unencrypted private key material.