1. Create your account
Go to app.monaris.co. Sign up with Google or email.2. Create and send your first invoice
Hit Create Invoice. Enter the amount, due date, description, and your client’s wallet address or email. Send it. Your first invoice is now Issued. When your client pays, it becomes Cleared.3. Get your first Score points
When the invoice clears, your Monaris Score updates automatically. You have just created the first data point of your on-chain financial identity.4. Connect your wallet (optional but recommended)
Connect via MetaMask or WalletConnect. Monaris reads your last 90 days of history and generates your cashflow picture — income, expenses, client concentration, and runway.5. Build toward your first tier
Your path to each tier:| Tier | What you need | What you unlock |
|---|---|---|
| Building (0–510) | Start using Monaris | AR/AP, Private Pay, cashflow picture |
| Established (510–850) | 10+ invoices cleared, $500+ volume | Score sharing, credit pre-approval view |
| Trusted (850–1000) | 25+ invoices cleared, $5,000+ volume | Full credit access, priority terms |
6. Watch Mona work
Mona starts surfacing insights as soon as you have activity — who pays on time, where your concentration risk is, how to improve your Score fastest. She uses your real numbers, not generic advice.What to explore next
- Full AR/AP guide — everything about invoicing and payouts
- Understanding your Score — the six signals and how to improve each one
- Meet Mona — how the AI cashflow coach works
- Your cashflow picture — reading your timeline and runway