On-chain signals (V1)
1. Payment Consistency
Weight: High What it measures: The percentage of your invoices that get paid on time. Invoices cleared on or before the due date improve this signal. Invoices that go overdue weaken it. How to improve: Clear invoices on time. Follow up with clients who are late. Use Mona’s automated reminders to prompt overdue payers. Example impact: A 94% on-time rate is strong. Dropping to 80% because of one habitually late client can cost significant points.2. Income Stability
Weight: High What it measures: How regular and predictable your inflows are. The model favors consistent, periodic income over large, irregular payments. How to improve: Build recurring client relationships. Consistent monthly payments score better than one annual lump sum. Example impact: A freelancer earning 36,000 once a year — even though the total is identical.3. Client Diversity
Weight: Medium What it measures: The number of distinct paying clients you have. Single-client dependency is a risk signal because if that client disappears, your entire income goes with them. How to improve: Add new paying clients. Even one additional client significantly improves this signal. Example impact: Going from 2 clients to 3 can be worth approximately 40–80 points, depending on your other signals.4. Obligations Coverage
Weight: Medium What it measures: How reliably you meet your outward financial commitments. Paying vendors and obligations on time strengthens this signal. How to improve: Pay what you owe on schedule. Use Automated Payouts (AP) to ensure outgoing payments execute on time automatically.5. Volume History
Weight: Medium What it measures: Your total verified transaction volume over time. Volume thresholds are required for tier progression — you cannot reach Established on points alone without $500 in real volume. How to improve: Process more real economic activity through Monaris. Volume must be genuine — the system detects artificial volume patterns. Tier thresholds:| Tier | Minimum volume |
|---|---|
| Building | $0 |
| Established | $500 |
| Trusted | $5,000 |
| Verified+ | $25,000 |
6. Account Depth
Weight: Low (but growing over time) What it measures: How long you have been building verifiable history on Monaris. Older, deeper history carries more weight. This signal rewards patience and consistency. How to improve: Keep using Monaris. There is no way to accelerate time — this signal rewards sustained presence.Off-chain signals (Available in V2)
The MCA expands significantly in V2 to incorporate off-chain data. Each connected source adds new signals:7. Bank Statement Consistency (Plaid)
Weight: Medium-High What it measures: Regular income deposits, balance trends, and spending patterns from your bank account. The MCA cross-references bank deposits with on-chain inflows to build a complete income picture. How to connect: Link your bank account via Plaid in the Monaris dashboard. Read-only — Monaris never initiates bank transactions.8. Traditional Credit Score (Credit Karma)
Weight: Medium What it measures: Your existing FICO or VantageScore as a supplementary creditworthiness signal. A good traditional score helps your Monaris Score, but a missing or low traditional score does not hurt it — the MCA treats it as optional input, not a gate. How to connect: Link your Credit Karma account. Monaris reads your score and key factors only.9. Accounting Data (QuickBooks / Xero)
Weight: Medium What it measures: Business revenue verification, expense categorization, client and vendor relationships, and P&L patterns. The MCA cross-references accounting data with on-chain invoice activity for deeper client diversity and financial health signals. How to connect: Sync your QuickBooks or Xero account from the integrations page.10. Payroll and CEX Verification (zkTLS)
Weight: Medium What it measures: Employment income or exchange balance history, verified through privacy-preserving proofs. The MCA confirms regular salary or exchange activity without accessing or storing raw data. How to connect: Initiate a zkTLS proof from the off-chain data section. The proof is generated locally and submitted to the MCA.11. Repayment Behavior
Weight: High What it measures: On-time repayment of Monaris Credit and BNPL products. This becomes one of the highest-weight signals after you take your first credit product.12. Behavioral Patterns
Weight: Low What it measures: Churn signals, dispute history, and default patterns across the platform.Anti-gaming protections
The MCA includes several protections against manipulation:- Volume minimums — tiers require real money moving, not just points
- Invoice count minimums — a minimum number of real cleared invoices is required
- Pattern detection — artificial or circular transaction patterns are detected and excluded
- Time requirements — Account Depth cannot be faked or accelerated
Score display format
Every Score display in the Monaris app shows:- Current score (0–1000) and tier label
- Progress bar to the next tier with exact points remaining
- Signal breakdown — which signals are strong and which need work
- Actionable recommendations — up to 3 specific next steps from Mona
- Score history chart (Available in V2)