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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

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Key design decisions

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Chain-agnostic

Monaris Score works across EVM chains. Start on highest-liquidity stablecoin networks (e.g. Ethereum, Polygon, Base, Mantle). No single-chain dependency.

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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.

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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.

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Modular Score inputs

  • 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.

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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.

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Supported networks (V1)

  • [PLACEHOLDER: confirm exact chain(s) at launch]
  • Mantle (primary — hackathon relationship)
  • [PLACEHOLDER: secondary chains]

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