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The Monaris Score has four tiers. Each tier has minimum Score, minimum invoice count, and minimum verified volume requirements. All three must be met — you cannot reach a tier on points alone. The Monaris Credit Algorithm (MCA) calculates your Score from on-chain cashflow and, optionally, off-chain data (bank accounts, credit scores, accounting tools). Connecting off-chain sources can accelerate your progression through tiers.

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Who this is for

Anyone building their Monaris Score who wants to understand what each milestone unlocks and what it takes to get there.

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The four tiers

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Building (0–510)

RequirementValue
Score minimum0
Invoice minimum1 invoice cleared
Volume minimum$0
What it means: You are establishing your cashflow history. Every user starts here. The focus is on creating invoices, clearing payments, and building initial momentum. What you can access: Monaris AR/AP, Private Pay, cashflow picture, Mona insights.

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Established (510–850)

RequirementValue
Score minimum510
Invoice minimum10 invoices cleared
Volume minimum$500 verified volume
What it means: You have consistent, verifiable payment patterns. Your cashflow history is strong enough to start proving your financial reliability to others. What you can access: Everything in Building, plus Score sharing, selective disclosure, credit pre-approval view. At Score 700+: Monaris Credit eligibility and Invoice Advance.

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Trusted (850–1000)

RequirementValue
Score minimum850
Invoice minimum25 invoices cleared
Volume minimum$5,000 verified volume
What it means: Institutional-grade cashflow history. Your financial identity is deep enough for significant credit access and priority terms. What you can access: Everything in Established, plus priority credit terms, Monaris BNPL full access, up to $50,000 credit.

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Verified+ (Invite only)

RequirementValue
Score minimumInvite only
Invoice minimum50+ invoices cleared
Volume minimum$25,000+ verified volume
What it means: Top 1% of Monaris users. Elite cashflow history with the highest trust band in the system. What you can access: Everything in Trusted, plus up to $250,000 credit, institutional credit routing, premium terms.

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Why volume minimums exist

A Score cannot be gamed by creating fake invoices for 1each.TheScorerequiresbothpoints(earnedthroughrealbehavior)ANDvolume(realmoneymoving).Establishedrequires1 each. The Score requires both points (earned through real behavior) AND volume (real money moving). Established requires 500 in verified settled volume. Trusted requires $5,000. This is non-negotiable and non-bypassable.

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The critical rule

You cannot reach a tier on Score points alone. A user with 510 points but only $13 in total volume does not qualify for Established. All three requirements — Score, invoices, and volume — must be met simultaneously.

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Credit access by tier

TierScoreMax CreditAPR RangeOrigination Fee
Building0–510———
Established510–850Up to $5,00010–14%2%
Trusted850–1000Up to $50,0006–10%1.5%
Verified+Invite onlyUp to $250,0005–8%1%
Monaris Credit and BNPL products are subject to eligibility requirements including minimum Monaris Score, verified cashflow history, and transaction volume thresholds. Credit products involve risk. This documentation is informational only and does not constitute financial or legal advice. Product availability varies by jurisdiction.

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FAQ

How long does it take to reach Established? It depends on your activity. A freelancer clearing 2–3 invoices per month could reach Established in 3–4 months. More frequent invoicing and higher volume can accelerate this. Can I skip tiers? No. Tiers are sequential. Every user starts at Building and progresses through the same ladder. What happens if my Score drops below a tier threshold? Your tier updates in real time. If your Score drops below 510, you move back to Building. If it recovers, you move back up — assuming volume and invoice requirements are still met. Is Verified+ available to everyone? Verified+ is invite-only. Meeting the minimum requirements makes you eligible, but access is at Monaris’s discretion.