Documentation Index
Fetch the complete documentation index at: https://docs.monaris.co/llms.txt
Use this file to discover all available pages before exploring further.
This is the definitive reference for all signals used by the Monaris Credit Algorithm (MCA) to calculate the Monaris Score. For a narrative overview, see Understanding the Monaris Score.
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
MCA update frequency
Real-time. Every cleared invoice, every payment, every relevant event triggers an immediate Score recalculation. There is no batch processing delay. Off-chain data sources refresh periodically based on provider update frequency (e.g. Plaid syncs daily).