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

36.6/100 thin ▬ flat Agent 29/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessEnterpriseSelf serve

6 APIs

Open BankingFinancial DataPaymentsDirect DebitAfrica

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 36.6/100 · thin

Contract Quality 12.3 / 21

Developer Ergonomics 4.0 / 17

Access Clarity 6.7 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 29/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 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

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

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.

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.

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

Website

Website

Blog

Blog

Source (apis.yml)

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: '0.23'
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 & Statements
  tags_raw:
  - 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

Mono

Kin Score

APIs 6

Mono Account Information API

Mono Account Linking API

Mono Direct Debit API

Mono DirectPay API

Mono Identity and Income API

Mono Transactions and Statements API

Open Collections 8

API Collection

Mono Account Information API

Mono Account Information Account Linking API

Mono Account Information Direct Debit API

Mono Account Information DirectPay API

Mono Account Information Identity and Income API

Mono Account Information Transactions and Statements API

Mono API

Pricing Plans 1

Mono Co Plans Pricing

Rate Limits 1

Mono Co Rate Limits

FinOps 1

Mono Co Finops

Security Posture 2

Mono Co Authentication

Mono Co Domain Security

Agentic Access 1

Mono Co Agentic Access

Resources