# MNT-Halan

**Canonical:** https://apis.io/providers/mnt-halan/  
**Website:** https://mnt-halan.com  
**APIs profiled:** 0

MNT-Halan is a Cairo, Egypt-headquartered fintech holding company and Egypt's first private fintech unicorn, founded in 2017 by Mounir Nakhla (CEO) and Ahmed Mohsen (CTO). MNT-Halan operates a financial super app ("Halan") and a vertically integrated digital ecosystem covering micro-finance and SME lending, consumer credit, e-payments and money transfers, an e-wallet, prepaid and installment cards, payroll advances, investment and gold-installment products, and e-commerce (electronics, appliances, FMCG, e-grocer). Lending products span nano loans up to EGP 2,000, microloans, consumer loans up to EGP 500,000 over 36 installments, SME loans from EGP 200,000 up to EGP 15 million, education and home financing up to EGP 4 million, light-vehicle financing, and buy-now-pay-later. The Halan app and its supporting agent network reportedly serve 5–7 million customers, have disbursed in excess of USD 4 billion in loans across 3 million borrowers, and process 100+ million USD in monthly payments and 50+ million USD in monthly e-commerce sales. After raising USD 400 million in 2023 to cross unicorn status and an additional USD 157.5 million in 2024 (including an IFC investment), MNT-Halan expanded beyond Egypt into Turkey (via the August 2024 acquisition of Tam Finans), the UAE (December 2024 launch), and Pakistan. MNT-Halan's revenue model is interest and fees on lending, merchant and payment fees, e-commerce gross margin, and card interchange; the company markets directly to consumers and SMEs through its Halan app and physical outlets, and does not publish a public developer API, SDK, partner sandbox, or open-source code repository.

## Kin Score — 2.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Mnt Halan Domain Security** — TLSv1.3 · DMARC

## Tags

Financial-Services, Fintech, Microfinance, Consumer Lending, SME Lending, Digital Payments, E-Wallet, Mobile Wallet, Prepaid Cards, Installment Cards, Buy Now Pay Later, Payroll Advance, Savings, Investments, E-Commerce, Super App, Financial Inclusion, Unbanked, Egypt, MENA, Turkey, UAE, Pakistan

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/mnt-halan/). Scores are computed from the provider's own public artifacts under a published rubric.