Mono website screenshot

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 11 APIs on the APIs.io network, including Account Information API, Account Linking API, Direct Debit API, and 8 more. Tagged areas include Open Banking, Financial Data, Payments, Direct Debit, and Africa.

Mono’s developer surface includes authentication, documentation, engineering blog, and 9 more developer resources.

31.9/100 thin ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessEnterprise
1 APIs
Open BankingFinancial DataPaymentsDirect DebitAfrica

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. 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 github.com/api-evangelist/mono-co: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

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.

Mono Connect API

Account linking authorization and re-authorization.

Mono Creditworthiness API

Affordability and credit-decisioning analysis.

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.

Scroll for all 11

Open Collections 9

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

API Collection

OPEN COLLECTION

Mono API

OPEN COLLECTION

Mono API

OPEN COLLECTION

Scroll for all 9

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.

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

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 1

Properties that don't map to a standard resource type

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  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
- aid: mono-co: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-co: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-co: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-co: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-co: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: CapabilityMap
  url: capabilities/mono-co-capability-edges.yml
  name: Mono Business Capability Map
- 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

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Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • 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.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider
curl "https://apis.io/api/v1/providers/mono-co"
All providers
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose
curl "https://apis.io/api/v1/providers/mono-co/operations?limit=25"
How their score was established
curl "https://apis.io/api/v1/providers/mono-co/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

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