On-chain signal weights (V1)
| Signal | Weight | Description |
|---|---|---|
| Payment Consistency | High | % of invoices paid on or before due date |
| Income Stability | High | Regularity and predictability of inflows |
| Obligations Coverage | Medium | Reliability of meeting outgoing commitments |
| Client Diversity | Medium | Number of distinct paying counterparties |
| Volume History | Medium | Total verified transaction volume |
| Account Depth | Low | Time since first Monaris activity |
| Repayment Behavior (V2) | High | On-time repayment of Monaris Credit |
Tier thresholds
All three requirements must be met simultaneously.| Tier | Score | Invoices | Volume | Credit Access |
|---|---|---|---|---|
| Building | 0–510 | 1+ cleared | $0 | None |
| Established | 510–850 | 10+ cleared | $500+ | Up to $5,000 |
| Trusted | 850–1000 | 25+ cleared | $5,000+ | Up to $50,000 |
| Verified+ | Invite only | 50+ cleared | $25,000+ | Up to $250,000 |
V1 signals (on-chain only)
All V1 signals are derived from on-chain data:- Invoice creation, sending, and clearance history
- Payment timestamps and amounts
- Counterparty addresses and patterns
- Wallet transaction history (last 90+ days)
Off-chain signal weights (Available in V2)
| Signal | Weight | Source | Description |
|---|---|---|---|
| Bank Statement Consistency | Medium-High | Plaid | Income deposits, balance trends, spending patterns |
| Traditional Credit Score | Medium | Credit Karma | FICO/VantageScore as supplementary signal |
| Accounting Data | Medium | QuickBooks / Xero | Revenue verification, P&L, client relationships |
| Payroll/CEX Verification | Medium | zkTLS | Employment income or exchange history via privacy-preserving proof |
| Repayment Behavior | High | Monaris internal | On-time repayment of Monaris Credit products |
| Behavioral Patterns | Low | Monaris internal | Churn, disputes, defaults |
Anti-gaming protections
- Volume minimums prevent tier progression from fake low-value invoices
- Invoice count minimums require a meaningful number of real transactions
- Pattern detection identifies circular or artificial transaction flows
- Account Depth rewards sustained presence — time cannot be faked