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.
Architecture overview
Monaris is built as a modular cashflow stack. Layers sit on top of each other: Product → Privacy Router → Policy Engine → Score + Ledger → Data → Smart contracts. Mona AI is cross-cutting: she reads all layers and writes only to UX/notifications.
┌─────────────────────────────────────────────────────────────────────┐
│ PRODUCT LAYER │
│ Monaris Pay │ Monaris AR/AP │ Monaris Score │ Monaris Biz │
│ Monaris Credit │
├─────────────────────────────────────────────────────────────────────┤
│ PRIVACY ROUTER LAYER │
│ Settlement Router │ zkProof Engine │ Selective Disclosure │
│ Secrets as a Service │ Programmable Privacy Rules │
├─────────────────────────────────────────────────────────────────────┤
│ POLICY ENGINE │
│ Rules & Spend Controls │ Approval Flows │ Automation Triggers │
│ Payroll Schedules │ Vendor Allowlists │ Auto-Sweep / Repay │
├──────────────────────────┬──────────────────────────────────────────┤
│ CASHFLOW SCORE ENGINE │ LEDGER + ACCOUNTING CORE │
│ Feature Engineering │ Canonical Ledger (event-sourced) │
│ Inflow Stability Score │ Reconciliation Engine │
│ Obligations Coverage │ Multi-source Audit Trail │
│ Counterparty Quality │ Invoice Matching │
│ Behavioral Signals │ Cashflow Timeline │
│ Credit Readiness Output │ Private Receipt Storage │
├──────────────────────────┴──────────────────────────────────────────┤
│ DATA LAYER │
│ Onchain Indexer │ Offchain Connectors │ Normalizer │
│ Wallet txn history │ Plaid / Open Banking │ Standard schema │
│ Stablecoin flows │ QuickBooks / Xero │ Entity resolution│
│ Counterparty graph │ Payroll exports │ Privacy filter │
│ Multi-chain support │ zkTLS proof engine │ │
├─────────────────────────────────────────────────────────────────────┤
│ SMART CONTRACT LAYER (optional) │
│ Escrow │ Streaming │ Attestations Registry │ Settlement │
│ Privacy Proofs │ Vault Contracts │ Governance (DAO) │
└─────────────────────────────────────────────────────────────────────┘
│
│ MONA AI LAYER (cross-cutting — reads all layers, writes to UX only)
└── Event listener → Context builder → LLM (Claude) → Notification/UI
Key design decisions
Chain-agnostic
Monaris Score works across EVM chains. Start on highest-liquidity stablecoin networks (e.g. Ethereum, Polygon, Base, Mantle). No single-chain dependency.
Event-sourced ledger
All cashflow state is derived from an immutable event log. Enables audit trails, time-travel queries, and verifiable history proofs — critical for underwriting and compliance.
Privacy by architecture
The Privacy Router is not a bolt-on. It sits between the product layer and the settlement layer. Every payment is routed through it. Privacy is the default path; transparency is the exception.
- Score V1: on-chain data only.
- V2: off-chain connectors (bank, accounting, payroll).
- V3: behavioral and credit repayment signals.
Each addition improves Score accuracy without breaking prior calculations.
Mona as read-only observer
Mona reads from all layers but writes only to the UX (notifications, chat). She never executes transactions or modifies financial data on her own.
Supported networks
- EVM-compatible chains — primary deployment
- Additional chains planned for future expansion
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