Monnai

Monnai is a global consumer-insights infrastructure company that delivers real-time, AI-ready data for decisioning across the entire customer lifecycle. Its Insights API unifies fragmented identity, device, phone, email, and behavioral signals from a proprietary data consortium into clean, contextual 360-degree profiles, enabling financial institutions, fintechs, ecommerce, and marketplaces to power acquisition, onboarding (KYC/AML), risk assessment and fraud detection, credit decisioning, and collections. Monnai provides localized coverage across 190+ countries with a privacy-first, encryption-backed approach. The API is secured with OAuth 2.0. Monnai is backed by 500 Global.

Monnai is listed with 1 API on the APIs.io network. Tagged areas include Company, Consumer Insights, Fintech, Financial Services, and Fraud Prevention.

Monnai’s developer surface includes developer portal, signup flow, authentication, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

16.7/100 emerging ▬ flat Agent 3/100 human only Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API

Company Consumer Insights Fintech Financial Services Fraud Prevention Identity Verification KYC AML Credit Decisioning Risk Assessment Collection Emerging Markets Decisioning OAuth Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 16.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.5 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 13.2 — up to +17.4 composite points
Developer Ergonomics scores 21.4 — up to +15.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/monnai/apis.yml: open an issue on github.com/api-evangelist/monnai to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Biometrics Testing (biometric recognition vendors, identity verification depth)	undeclared	-	-	1
Surveys, Market Research and Experience Management	undeclared	-	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Monnai Insights API

Real-time consumer-insights and decisioning API. Accepts consumer identifiers (phone, email, device, name, address) and returns enriched, AI-ready insights used for onboarding/K...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Monnai Authentication

oauth2 · 1 scheme

SECURITY

Monnai Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

SignUp

SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: monnai
name: Monnai
description: Monnai is a global consumer-insights infrastructure company that delivers real-time, AI-ready data for decisioning
  across the entire customer lifecycle. Its Insights API unifies fragmented identity, device, phone, email, and behavioral
  signals from a proprietary data consortium into clean, contextual 360-degree profiles, enabling financial institutions,
  fintechs, ecommerce, and marketplaces to power acquisition, onboarding (KYC/AML), risk assessment and fraud detection, credit
  decisioning, and collections. Monnai provides localized coverage across 190+ countries with a privacy-first, encryption-backed
  approach. The API is secured with OAuth 2.0. Monnai is backed by 500 Global.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/675348f1c32d2b2d94ca4ff7/6779efb03e354eaf71050a44_apple-touch-icon%20(1).webp
url: https://raw.githubusercontent.com/api-evangelist/monnai/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: profiled
x-tier-reason: enriched-from-stub
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Consumer Insights
- Fintech
- Financial Services
- Fraud Prevention
- Identity Verification
- KYC
- AML
- Credit Decisioning
- Risk Assessment
- Collection
- Emerging Markets
- Decisioning
- OAuth
- Authentication
tags_raw:
- Company
- Consumer Insights
- Fintech
- Financial Services
- Fraud Detection
- Identity Verification
- KYC
- AML
- Credit Decisioning
- Risk Assessment
- Collections
- Emerging Markets
- Decisioning
- OAuth2
- Financial-Services
- Authentication
apis:
- name: Monnai Insights API
  description: Real-time consumer-insights and decisioning API. Accepts consumer identifiers (phone, email, device, name,
    address) and returns enriched, AI-ready insights used for onboarding/KYC-AML, fraud and risk assessment, credit decisioning,
    acquisition, and collections across 190+ countries. Secured with OAuth 2.0.
  humanURL: https://www.monnai.com/product
  baseURL: https://dev.monnai.com/api
  tags:
  - Consumer Insights
  - Risk Management
  - Identity
  - Decisioning
  tags_raw:
  - Consumer Insights
  - Risk
  - Identity
  - Decisioning
  properties:
  - type: Authentication
    url: authentication/monnai-authentication.yml
common:
- type: Website
  url: https://monnai.com
- type: Portal
  url: https://dev.monnai.com
- type: SignUp
  url: https://www.monnai.com/get-started
- type: LinkedIn
  url: https://www.linkedin.com/company/monnai/
- type: Authentication
  url: authentication/monnai-authentication.yml
- type: DomainSecurity
  url: security/monnai-domain-security.yml
- type: Conformance
  url: conformance/monnai-conformance.yml
- type: WellKnown
  url: well-known/monnai-well-known.yml
- type: LLMsTxt
  url: llms/monnai-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 5
  pass: local-v1

Monnai API — frequently asked questions

Does Monnai have an API?

Yes. APIs.io lists 1 API from Monnai, including Monnai Insights API.

How do I authenticate with the Monnai API?

Monnai uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Monnai Authentication.

Is the Monnai API ready for AI agents?

Monnai has a Kin Score of 16.7 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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