# Mono

**Canonical:** https://apis.io/providers/mono-africa/  
**Website:** https://mono.co/  
**APIs profiled:** 6

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.

## Kin Score — 27.1 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 27.1).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 15.3 |
| Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 21.7 |
| Commercial Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 20.3 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (6)

- **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.

## Agentic access (1)

- **Mono Africa Agentic Access** — 19 operations · 8 acting

## Security (2)

- **Mono Africa Authentication** — apiKey · 1 scheme
- **Mono Africa Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Mono Africa Plans Pricing**

## Tags

Open Banking, Financial Data, Payments, Fintech, Account Linking, Direct Debit, Bank Data, Africa, Nigeria, Financial Infrastructure

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