Privacy defaults
| Data type | Default | User can change to |
|---|---|---|
| Payment amounts | Private | Public (opt-in) |
| Counterparty identities | Private | Public (opt-in) |
| Invoice details | Private to parties | Shareable with specific parties |
| Monaris Score | Private | Shareable (Score Card, Profile, or API) |
| Cashflow summary | Private | Selective disclosure |
| Transaction history | Private | Verifiable proof without raw data |
Privacy features by plan
| Feature | Free | Pay User | Business |
|---|---|---|---|
| Private payments by default | ✓ | ✓ | ✓ |
| Custom privacy per transaction | — | ✓ | ✓ |
| Private invoicing (hidden amount) | — | ✓ | ✓ |
| Selective disclosure proof | — | ✓ | ✓ |
| Privacy audit log | — | ✓ | ✓ |
| Team-level privacy policy | — | — | ✓ |
| Programmable privacy rules | — | — | ✓ |
| Compliance disclosure mode | — | ✓ | ✓ |
Programmable privacy rules (Business plan)
Rules you can define that execute automatically:- Amount threshold: “All payments above $5,000 are always private”
- Counterparty-based: “All payments to Vendor A are private”
- Category-based: “Payroll payments are private — but generate a verifiable receipt”
- Time-based: “Payments between 9pm–6am are private”
- Default override: “Public by default, except when paying category = personal”
- Score carve-out: “All payments private — but Score data is shareable”
Selective disclosure options
| What you can prove | Without revealing |
|---|---|
| Payment happened | Amount or counterparty |
| Amount within a range | Exact amount |
| On-time payment | Full transaction details |
| Income above a threshold | Exact income |
| Score above a threshold | Exact Score |
Compliance mode
Available to Pay User and Business plans:- Targeted disclosure to a named regulatory authority
- Does not make data public
- Full audit log of every disclosure
- User notified before any disclosure
- Privacy preserved for all other purposes
What is never exposed
- Raw transaction data to third parties without user consent
- Private payment details on the public blockchain
- Off-chain data to anyone other than user and authorized connections
- Score factors at individual transaction level
Proofs
- Cryptographic proofs verify claims without revealing underlying data
- Proofs are generated on user behalf and stored in their account
- Users control which proofs are shared with which parties
- Proofs can have expiry dates and can be revoked