Mono

Mono is an open banking and financial data infrastructure company for Africa (often described as the "Plaid for Africa"), headquartered in Lagos, Nigeria and now part of Flutterwave. Its REST APIs let businesses link customer bank accounts and retrieve financial data (accounts, transactions, identity, income, balance, statements, assets, earnings), assess creditworthiness, collect direct bank payments via DirectPay (direct debit), and verify identity data (BVN, NIN, CAC, account numbers) through the Lookup services. Server-to-server calls authenticate with a secret key sent in the `mono-sec-key` header, and account linking is completed through the hosted Mono Connect widget.

Mono publishes 6 APIs on the APIs.io network, including Connect API, Creditworthiness API, DirectPay API, and 3 more. Tagged areas include Open Banking, Financial Data, Payments, Fintech, and Account Linking.

Mono’s developer surface includes authentication, documentation, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
39.4/100 thin ▬ flat Agent 48/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessFreemiumSelf serve⚡ Free to try
6 APIs
Open BankingFinancial DataPaymentsFintechAccount LinkingDirect DebitBank DataAfricaNigeriaFinancial Infrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 39.4/100 · thin
Contract Quality 14.8 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
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 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/mono-africa: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Mono Connect API

Account linking authorization and re-authorization.

Mono Creditworthiness API

Affordability and credit-decisioning analysis.

Mono DirectPay API

Direct bank payment collection.

Mono Financial Data API

Read financial data from a linked account.

Mono Investment API

Investment holdings for a linked account.

Mono Lookup API

Identity and data verification for KYC/KYB.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Mono API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Mono Africa Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mono Africa Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Mono Africa Finops

FINOPS

Security Posture 2

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

Mono Africa Authentication

apiKey · 1 scheme

SECURITY

Mono Africa Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Mono Africa Agentic Access

19 operations · 8 acting

19 operations · 8 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: mono-africa
url: https://raw.githubusercontent.com/api-evangelist/mono-africa/refs/heads/main/apis.yml
name: Mono
kind: company
description: Mono is an open banking and financial data infrastructure company for Africa (often described as the "Plaid for
  Africa"), headquartered in Lagos, Nigeria and now part of Flutterwave. Its REST APIs let businesses link customer bank accounts
  and retrieve financial data (accounts, transactions, identity, income, balance, statements, assets, earnings), assess creditworthiness,
  collect direct bank payments via DirectPay (direct debit), and verify identity data (BVN, NIN, CAC, account numbers) through
  the Lookup services. Server-to-server calls authenticate with a secret key sent in the `mono-sec-key` header, and account
  linking is completed through the hosted Mono Connect widget.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mono-africa.png
tags:
- Open Banking
- Financial Data
- Payments
- Fintech
- Account Linking
- Direct Debit
- Bank Data
- Africa
- Nigeria
- Financial Infrastructure
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
apis:
- aid: mono-africa:mono-africa-connect-api
  name: Mono Connect API
  description: Account linking authorization and re-authorization.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-connect-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
- aid: mono-africa:mono-africa-creditworthiness-api
  name: Mono Creditworthiness API
  description: Affordability and credit-decisioning analysis.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - Creditworthiness
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-creditworthiness-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
- aid: mono-africa:mono-africa-directpay-api
  name: Mono DirectPay API
  description: Direct bank payment collection.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - DirectPay
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-directpay-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
- aid: mono-africa:mono-africa-financial-data-api
  name: Mono Financial Data API
  description: Read financial data from a linked account.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - Financial Data
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-financial-data-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
- aid: mono-africa:mono-africa-investment-api
  name: Mono Investment API
  description: Investment holdings for a linked account.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - Investment
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-investment-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
- aid: mono-africa:mono-africa-lookup-api
  name: Mono Lookup API
  description: Identity and data verification for KYC/KYB.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com/v2
  tags:
  - Lookup
  properties:
  - type: OpenAPI
    url: openapi/mono-africa-lookup-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/docs/financial-data/connect-link
  - type: PostmanCollection
    url: collections/mono-africa.postman_collection.json
  - type: OpenCollection
    url: collections/mono-africa.opencollection.json
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/investment/assets
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness
  - type: Documentation
    url: https://docs.mono.co/docs/payments/overview
  - type: APIReference
    url: https://docs.mono.co/api/directpay/initiate
  - type: Documentation
    url: https://docs.mono.co/docs/lookup/overview
  - type: APIReference
    url: https://docs.mono.co/api/lookup/mashup
common:
- type: AgenticAccess
  url: agentic-access/mono-africa-agentic-access.yml
- type: DomainSecurity
  url: security/mono-africa-domain-security.yml
- type: Authentication
  url: authentication/mono-africa-authentication.yml
- type: GitHubOrganization
  url: https://github.com/withmono
- type: LinkedIn
  url: https://www.linkedin.com/company/withmono
- type: Website
  url: https://mono.co/
- type: Documentation
  url: https://docs.mono.co
- type: Plans
  url: plans/mono-africa-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mono-africa-rate-limits.yml
- type: FinOps
  url: finops/mono-africa-finops.yml
- url: https://mono.co/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com