V1 data sources (on-chain only)
| Source | Data points | Method |
|---|---|---|
| EVM wallet | Transaction history, balances, counterparties, stablecoin flows | Direct RPC indexing |
| Monaris AR/AP | Invoice amounts, payment timing, client relationships | Internal ledger |
| Monaris Pay | Inflow/outflow categorization, payment patterns | Internal ledger |
V2 data sources (on-chain + off-chain)
| Source | Data points | Method |
|---|---|---|
| Bank accounts | Statement history, account balance, ACH patterns | Plaid API or manual export |
| Accounting tools | P&L, expense categorization, invoice reconciliation | QuickBooks / Xero API |
| Payroll records | Salary history, employer verification, pay frequency | Signed attestation or payroll API |
| CEX balances | Exchange holdings, trade history | zkTLS proof or exchange API |
Verification methods
| Method | What it verifies | Privacy level |
|---|---|---|
| On-chain indexing | Wallet history | Public chain data |
| API integration | Off-chain financial data | User consent required |
| Signed attestation | Document authenticity | User submits; Monaris verifies |
| zkTLS proof | Off-chain data without exposing raw data | High — only the proof is shared |
| Selective disclosure | Specific claims from a larger dataset | User controls what is revealed |
Privacy principle for data collection
- Collect only what is needed for the requested Score depth.
- Do not store raw sensitive data beyond what is required for Score calculation.
- User can revoke any data source connection at any time.
- Score recalculates on remaining data if a source is revoked.
- All off-chain connections require explicit user consent with a plain-language explanation.