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 10 API contracts indexed on the APIs.io network, including Account Information API, Account Linking API, Direct Debit API, and 7 more. Tagged areas include Open Banking, Financial Data, Payments, Direct Debit, and Africa.

The Mono catalog on APIs.io includes 1 Spectral governance ruleset.

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

🌐 Visit website📡 Profile data on GitHub
31.1/100 thin ▬ flat Agent 19/100 agent aware Front door AI 1/6 silent Heartbeat 92/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessPaidSelf serveFree trial⚡ Free to try
6 published contracts
Open BankingFinancial DataPaymentsDirect DebitAfrica

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management
BC-1340
Direct DebitDirectPay
POST /v2/payments/initiate GET /v2/payments/verify/{reference} POST /v2/payments/initiate-mandate POST /v3/payments/mandates/{id}/debit
Banking Customer Management
BC-1300
Account Information
GET /v2/accounts/{id} GET /v2/accounts/{id}/balance POST /v2/accounts/{id}/unlink

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Composite quality — 31.1/100 · thin
Contract Quality 7.2 / 19
Developer Ergonomics 4.8 / 15
Access Clarity 5.5 / 15
Operational Transparency 1.0 / 10
Contract Governance 1.2 / 9
Discoverability 5.4 / 8
Regulatory Posture 1.4 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 19/100 · 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
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Pagination 0 / 5
Distinct Operations 3 / 3
MCP Tool Quality 6 / 6
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/.
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Agent readiness — checks not met, largest first (exact, from this profile):
  • MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
  • Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
  • Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
10 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
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 the provider profile at artifacts.apis.io/mono-co/apis.yml: open an issue on github.com/api-evangelist/mono-co to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

MarketPositionDepthRegistered MCP serverDeclares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU) undeclared - - -

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI
measured — observed by APIs.io (published)

APIs 10

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 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 10

Open Collections 8

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

Mono API

OPEN COLLECTION

Mono Account Information API

OPEN COLLECTION

Mono Account Information Account Linking API

OPEN COLLECTION

Mono Account Information Direct Debit API

OPEN COLLECTION

Mono Account Information DirectPay API

OPEN COLLECTION

Mono Account Information Identity and Income API

OPEN COLLECTION

Mono Account Information Transactions and Statements API

OPEN COLLECTION

Mono API

OPEN COLLECTION

Scroll for all 8

Mono API pricing

Prices published by Mono, read 2026-09-20 from mono.co/pricing.

PlanPrice
30-day trial FREE
Includes: Capped at 5 unique accounts monthly
Basic NGN 50,000.00
Includes: Capped at 100 unique accounts monthly
Enterprise band For more information Contact sales.
Real-time Sync (add-on) N100 Per call
CAC Lookup (add-on) N60 - N500 Per call
CAC Lookup + (add-on) N600+ Per call
Widget customization (add-on) N50,000 One-time fee

Plan details, limits and sources →

Rate limits

Compiled by API Evangelist, not yet checked against Mono's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Mono Co Plans Pricing

7 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mono Co Rate Limits

3 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Mono

SLA

FinOps 1

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

Mono Co Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Mono API Rules

66 rules · 62 errors 3 warnings 1 info

SPECTRAL

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

30 operations · 9 acting

30 operations · 9 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 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap

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: paid
  onboarding: self-serve
  trial: true
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Paid (free trial) · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  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 and 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-co-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
  tags:
  - Creditworthiness
  properties:
  - type: OpenAPI
    url: openapi/mono-co-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-co-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
  tags:
  - Financial Data
  properties:
  - type: OpenAPI
    url: openapi/mono-co-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-co-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
  tags:
  - Investment
  properties:
  - type: OpenAPI
    url: openapi/mono-co-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-co-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
  tags:
  - Lookup
  properties:
  - type: OpenAPI
    url: openapi/mono-co-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: Pricing
  url: https://mono.co/pricing
- 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

Mono API — frequently asked questions

Does Mono have an API?

Yes. APIs.io lists 10 APIs from Mono, including Mono Account Information API, Mono Account Linking API and Mono Direct Debit API, and 7 more.

Is there an OpenAPI specification for the Mono API?

Yes. APIs.io indexes 10 OpenAPI specifications for Mono, each linked for download from this page.

How do I authenticate with the Mono API?

Mono uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Mono Co Authentication.

How much does the Mono API cost?

Mono publishes its prices; its 30-day trial plan is FREE as of 2026-09-20. APIs.io lists 7 pricing plans for Mono, with each plan's price, limits and inclusions under Pricing on this page.

Is the Mono API ready for AI agents?

Mono has a Kin Score of 31.1 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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