# Mono

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

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.

## Kin Score — 36.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 58.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| 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

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

## APIs (6)

- **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.

## Agentic access (1)

- **Mono Co Agentic Access** — 16 operations · 7 acting

## Security (2)

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

## Plans (1)

- **Mono Co Plans Pricing**

## Tags

Open Banking, Financial Data, Payments, Direct Debit, Africa

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