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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.

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Contract addresses (live on mainnet)

ContractAddressRole
InvoiceRegistry0x7a80...eB2Invoice creation, status tracking, NFT minting
InvoiceNFT0x14F3...D31ERC721 — each invoice is a tradeable NFT
SettlementRouter0x9037...36dPayment entry point, settlement waterfall
Vault0x61Cc...537Liquidity pool (LP deposits USDC, receives USMT+)
AdvanceEngine0x0D8D...08EBorrow against invoices from Vault
Reputation0x6baD...C73On-chain credit scoring (0–1000, tiers A/B/C)
Staking0x8492...3eStake USMT+ for sUSMT+ yield position
USMTPlus0x2508...fe1Receipt token for Vault deposits
USDC0xaf88...831Native USDC

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Invoice lifecycle — on-chain status

Status 0: ISSUED    — Invoice created, NFT minted to seller
Status 1: FINANCED  — Seller took advance from Vault
Status 2: PAID      — Buyer paid via SettlementRouter
Status 3: CLEARED   — Waterfall complete, funds distributed
Status transitions are one-way: 0 → 1 → 2 → 3

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On-chain data (immutable once created)

  • Invoice ID, amount, buyer address, due date, metadata hash
  • Status transitions are recorded as events

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Off-chain data (mutable metadata)

  • Line items, memo, seller/buyer names, invoice number
  • Draft invoices (before on-chain publish)
  • Rejected status (buyer rejects before paying)
  • Notifications (new invoice, paid, rejected)

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Invoice creation — end-to-end

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Reputation system — on-chain

Score range: 0 — 1000
Score increment per cleared invoice: base 20 + volume bonus (1 point per 1M USDC)

Tier C: score < 500       → Basic access
Tier B: 500 ≤ score < 850 → Pay Later eligible, lower APR
Tier A: score ≥ 850       → Full credit access, best terms

Updated only by SettlementRouter.markCleared() — cannot be gamed manually
The on-chain Reputation contract is updated atomically as part of the settlement waterfall. There is no separate call required — every cleared invoice automatically updates the seller’s reputation.