Mono

Mono is an African open-banking platform that lets businesses access bank and financial data and collect recurring payments through a single API. The Mono REST API at api.withmono.com covers account linking (Connect), transactions, statements, identity, income, and balance, plus DirectPay one-time payments and Direct Debit mandates, secured with a mono-sec-key header.

Mono publishes 6 APIs on the APIs.io network, including Account Information API, Account Linking API, Direct Debit API, and 3 more. Tagged areas include Open Banking, Financial Data, Payments, Direct Debit, and Africa.

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

🌐 Visit website 📡 Source on GitHub
35.8/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessEnterpriseSelf serve
6 APIs
Open BankingFinancial DataPaymentsDirect DebitAfrica

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 35.8/100 · thin
Contract Quality 15.1 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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-co: 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 Account Information API

Account details and balance for a linked account.

Mono Account Linking API

Initiate Connect account linking and exchange a code for an account id.

Mono Direct Debit API

Customers, mandates, balance inquiry, and recurring debits.

Mono DirectPay API

One-time bank-to-bank payments.

Mono Identity and Income API

Identity verification and income signals for a linked account.

Mono Transactions and Statements API

Transactions and bank statements for a linked account.

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 Co Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mono Co Rate Limits

3 limits

RATE LIMITS

FinOps 1

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

Mono Co Finops

FINOPS

Security Posture 2

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

Mono Co Authentication

apiKey · 1 scheme

SECURITY

Mono Co Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

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

Mono Co Agentic Access

16 operations · 7 acting

16 operations · 7 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-co
url: https://raw.githubusercontent.com/api-evangelist/mono-co/refs/heads/main/apis.yml
name: Mono
kind: company
description: Mono is an African open-banking platform that lets businesses access bank and financial data and collect recurring
  payments through a single API. The Mono REST API at api.withmono.com covers account linking (Connect), transactions, statements,
  identity, income, and balance, plus DirectPay one-time payments and Direct Debit mandates, secured with a mono-sec-key header.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · 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-co.png
tags:
- Open Banking
- Financial Data
- Payments
- Direct Debit
- Africa
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.19'
apis:
- aid: mono-co:mono-co-account-information-api
  name: Mono Account Information API
  description: Account details and balance for a linked account.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - Account Information
  properties:
  - type: OpenAPI
    url: openapi/mono-co-account-information-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
- aid: mono-co:mono-co-account-linking-api
  name: Mono Account Linking API
  description: Initiate Connect account linking and exchange a code for an account id.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - Account Linking
  properties:
  - type: OpenAPI
    url: openapi/mono-co-account-linking-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
- aid: mono-co:mono-co-direct-debit-api
  name: Mono Direct Debit API
  description: Customers, mandates, balance inquiry, and recurring debits.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/mono-co-direct-debit-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
- aid: mono-co:mono-co-directpay-api
  name: Mono DirectPay API
  description: One-time bank-to-bank payments.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - DirectPay
  properties:
  - type: OpenAPI
    url: openapi/mono-co-directpay-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
- aid: mono-co:mono-co-identity-and-income-api
  name: Mono Identity and Income API
  description: Identity verification and income signals for a linked account.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - Identity and Income
  properties:
  - type: OpenAPI
    url: openapi/mono-co-identity-and-income-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
- aid: mono-co:mono-co-transactions-and-statements-api
  name: Mono Transactions and Statements API
  description: Transactions and bank statements for a linked account.
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  tags:
  - Transactions and Statements
  properties:
  - type: OpenAPI
    url: openapi/mono-co-transactions-and-statements-api-openapi.yml
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/integration-guide
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
  - type: PostmanCollection
    url: collections/mono-co.postman_collection.json
  - type: OpenCollection
    url: collections/mono-co.opencollection.json
  - type: Documentation
    url: https://docs.mono.co/docs/financial-data/overview
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/details
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/transactions
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/transactions
  - type: Documentation
    url: https://docs.mono.co/api/bank-data/accounts/identity
  - type: APIReference
    url: https://docs.mono.co/api/bank-data/accounts/income
  - 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/payments/direct-debit/overview
  - type: APIReference
    url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
  - type: Documentation
    url: https://docs.mono.co/docs/webhooks
  - type: APIReference
    url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
common:
- type: AgenticAccess
  url: agentic-access/mono-co-agentic-access.yml
- type: DomainSecurity
  url: security/mono-co-domain-security.yml
- type: Authentication
  url: authentication/mono-co-authentication.yml
- type: GitHubOrganization
  url: https://github.com/withmono
- type: LinkedIn
  url: https://www.linkedin.com/company/mono-hq
- type: Website
  url: https://mono.co
- type: Documentation
  url: https://docs.mono.co
- type: Plans
  url: plans/mono-co-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mono-co-rate-limits.yml
- type: FinOps
  url: finops/mono-co-finops.yml
- url: https://mono.co/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com