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Monaris Credit Algorithm (MCA)

The engine that powers the Monaris Score and all credit underwriting decisions. The MCA blends on-chain cashflow data (invoices, payments, wallet history) with off-chain financial data (bank accounts via Plaid, credit scores via Credit Karma, accounting data via QuickBooks/Xero, payroll via zkTLS) to produce a single 0–1000 Score. It updates in real time and becomes more powerful as you connect more data sources. See Understanding the Monaris Score.

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Monaris Score

A 0–1000 reputation score powered by the MCA. Updated in real time. The higher the Score, the better the credit terms and the more products unlock. Every Monaris product feeds the Score. See Understanding the Monaris Score.

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Mona

The AI cashflow coach built into every Monaris product. Mona reads your data and surfaces specific, actionable insights — proactively, without being asked. She is not a general chatbot. She is a specialist in your cashflow, Score, and invoices. See Meet Mona.

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Monaris AR/AP

Automated Receivables / Automated Payouts. The invoicing and payment management product. Create invoices, send them, track them, get paid. Every cleared invoice builds your Score. See AR/AP guide.

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Monaris Private Pay

The payment and settlement rail. All payments through Monaris are private by default — counterparties, amounts, and patterns are shielded from public blockchain visibility. See Private Pay guide.

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Monaris Credit

Cashflow-backed lending. Borrow against your income history, not collateral. Score-gated. Repayment is automatic from future invoice clearances. See Monaris Credit guide.

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Monaris BNPL

Buy Now, Pay Later for the stablecoin economy. Three products: Pay Later (consumer), Invoice Advance (immediate liquidity from outstanding invoices), and B2B Pay Later (flexible business payment terms).

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Monaris Business

The treasury operating system for teams. Multi-user controls, spend policies, payroll scheduling, vendor management, and a Team Score. See Monaris Business guide.

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Privacy Router

The Monaris settlement layer that routes all payments privately by default. Counterparties and amounts are not visible on the public blockchain. A proof-of-payment is anchored on-chain — verifiable but not readable. See Private payments.

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Secrets as a Service

Monaris’s programmable privacy framework. You define rules for what stays private, what can be disclosed, and to whom — at the transaction or account level. Combines default privacy with selective disclosure proofs. See Secrets as a Service.

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Selective Disclosure

The ability to share a cryptographic proof of a specific claim (e.g. “I earn above $3,000/month” or “Score ≥ 700”) without revealing the underlying data. Lets you prove things to a lender or counterparty without handing over raw history.

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Cashflow Underwriting

Assessing credit risk based on income reliability, payment patterns, and cashflow history — rather than collateral or traditional credit scores alone. The foundation of Monaris Credit and the MCA. See What is cashflow-backed credit?.

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Plaid

A third-party service that connects your bank account to Monaris (read-only). The MCA uses Plaid data to verify income deposits, balance history, and spending patterns from traditional banking sources. Available in V2.

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Credit Karma Integration

Connect your Credit Karma account to share your traditional credit score (FICO or VantageScore) with the MCA as a supplementary signal. A good score helps; a missing score does not hurt. Available in V2.

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Invoice Advance

A Monaris BNPL product. You have an outstanding invoice; Monaris advances up to 90% of the value immediately. When your client pays, everything settles automatically. See Invoice Advance guide.

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Pay Later

A Monaris BNPL product. Buy now from a Monaris-integrated merchant, repay from your next cleared invoice. See Pay Later guide.

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B2B Pay Later

A Monaris BNPL product for business purchases. Vendor gets paid immediately. Your business repays on a schedule based on your Team Score. See B2B Pay Later guide.

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Team Score

The company-level equivalent of the individual Monaris Score. Built from the company’s aggregate financial activity — vendor payments, payroll execution, client payments. Unlocks B2B credit products. See Team Score.

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Verifiable History

A cashflow record that is provably accurate — backed by on-chain data, cryptographic proofs, or signed attestations — and shareable without revealing raw sensitive data. The basis for the Score and credit eligibility.

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Concentration Risk

When a high percentage of your income comes from a single client or counterparty. Monaris flags this (e.g. >50% from one source) as a risk signal. Diversification improves stability and Score.

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Cashflow Timeline

The Monaris feature that displays your last 90+ days of stablecoin inflows and outflows, categorized and visualized. Built from your connected wallet. Feeds the Score and Mona’s insights. See Your cashflow picture.

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Building (Tier)

The entry-level Monaris Score tier (0–510). You are establishing your cashflow history. See Score tiers.

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Established (Tier)

The second Monaris Score tier (510–850). Requires 10+ cleared invoices and $500+ verified volume. Unlocks Score sharing and credit pre-approval. See Score tiers.

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Trusted (Tier)

The third Monaris Score tier (850–1000). Requires 25+ cleared invoices and $5,000+ verified volume. Unlocks full credit access and priority terms. See Score tiers.

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Verified+ (Tier)

Invite-only top tier. Requires 50+ cleared invoices and $25,000+ verified volume. Top 1% of users. Maximum credit limits and institutional routing. See Score tiers.

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zkTLS

A privacy-preserving proof technology that lets Monaris verify off-chain data (bank balances, payroll) without accessing or storing the raw data. Used for selective disclosure and compliance-friendly verification.

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Settlement Router

The Monaris infrastructure layer that processes payments. All payments go through the Settlement Router. The Privacy Router lives inside it. Handles routing, proof anchoring, and receipt generation.

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Compliance Mode

A privacy feature for regulated entities. Enables targeted disclosure to specific regulatory authorities without making data public. Full audit log. User notification before any disclosure. See Privacy settings reference.

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Score Card

A shareable image showing your Monaris Score tier, key metrics, and verification badge. Used on profiles, proposals, and applications to establish trust. See Sharing your Score.