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Overview

Mono is an African open banking platform that provides APIs for accessing financial data, initiating payments, and verifying identities. Mono enables fintechs, lenders, and businesses to securely connect to users’ bank accounts across Nigeria, Ghana, Kenya, and South Africa.

Countries

Nigeria, Ghana, Kenya, South Africa

Currencies

NGN, GHC, KSH, ZAR

Environments

Sandbox (free), Live (production)

Widget

Mono Connect for secure account linking

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Key Features

Financial Data

Access bank account data with user permission via Mono Connect

Payments

Direct bank debits, transfers, and recurring payments

Identity Verification

Verify user and business data for KYC compliance

Data Enrichment

AI-powered transaction analysis and categorization

Direct Debit

Set up mandates for recurring and subscription payments

WhatsApp Payments

Collect payments via WhatsApp using Owo Direct Charge

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Products & Use Cases

Mono Connect - Access bank account data with user permissionAvailable Data:
  • Account Information (balance, type, currency)
  • Transaction History (with filtering)
  • Bank Statements (PDF/JSON)
  • Identity Information (for KYC)
  • Income Analysis
  • Credit Worthiness Scoring
  • Investment Assets & Earnings
Integration Methods:
  • SDK Integration (Web, React Native, iOS, Android, Flutter)
  • Connect Link (hosted by Mono)
  • Partners API (direct API without widget)
View Documentation

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Authentication

All API requests require authentication using the mono-sec-key header with your App secret key: 
GET /v2/accounts/{id}
Host: api.withmono.com
mono-sec-key: your-secret-key

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Environments

EnvironmentDescriptionCost
SandboxFree testing environment with sample dataFree
LiveProduction environment (requires wallet funding)Pay-as-you-go
Sandbox Test Credentials

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Integration Flow

1

Create an App

Create an application on the Mono dashboard and retrieve your API keys (Public Key and Secret Key).Create App Guide
2

Integrate Mono Connect

Use the Mono Connect Widget to securely link user accounts via SDK or Connect Link.SDK Integration Guide
3

Exchange Authorization Code

Exchange the authorization code for a permanent Account ID.
POST /v2/accounts/auth
{
  "code": "code_xyz123"
}
4

Access Financial Data

Use the Account ID to retrieve account information, transactions, statements, and more.
GET /v2/accounts/{id}
GET /v2/accounts/{id}/transactions
GET /v2/accounts/{id}/statement
5

Set up Webhooks

Configure webhook URLs to receive real-time notifications for account updates and transactions.Webhooks Documentation

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Key API Endpoints

  • Authorization: POST /v2/accounts/auth - Exchange authorization code for Account ID
  • Account Information: GET /v2/accounts/{id} - Get account details and balance
  • Transactions: GET /v2/accounts/{id}/transactions - Fetch transaction history
  • Statements: GET /v2/accounts/{id}/statement - Generate bank statements (PDF/JSON)
  • Identity: GET /v2/accounts/{id}/identity - Retrieve verified user identity
  • Income: GET /v2/accounts/{id}/income - Analyze income patterns
  • Credit Worthiness: POST /v2/accounts/{id}/creditworthiness - Generate credit scores
Full API Reference
  • Initiate Payment: POST /v2/payments/initiate - Create one-time DirectPay transaction
  • Create Mandate: POST /v2/payments/mandate - Set up recurring direct debit
  • Debit Account: POST /v2/payments/debit - Execute debit against mandate
  • Payouts: POST /v2/payments/payouts - Send money to bank accounts
  • Disburse: POST /v2/disburse - Bulk and scheduled payouts
Payment API Reference
  • BVN Lookup: POST /v2/lookup/bvn/initiate - Verify Bank Verification Number
  • CAC Lookup: GET /v3/lookup/cac - Verify business registration
  • Account Number: POST /v2/lookup/account - Validate bank account
  • NIN Lookup: POST /v2/lookup/nin - Verify National ID
  • Prove: POST /v1/prove/initiate - Multi-tier KYC verification
Lookup API Reference

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Webhooks

Mono sends webhooks for real-time notifications: Financial Data Events:
  • mono.events.account_connected - User successfully links account
  • mono.events.account_updated - Account data is refreshed
  • mono.events.account_unlinked - User disconnects account
Payment Events:
  • mono.events.payment.successful - Payment completed
  • mono.events.payment.failed - Payment failed
  • mono.events.mandate.active - Direct debit mandate activated
  • mono.events.debit.successful - Recurring debit completed
Webhook Documentation

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Important Notes

  • All API requests require the mono-sec-key header with your App secret key
  • Currency values are in lowest denomination (NGN: kobo, GHC: pesewa, KSH/ZAR: cents)
  • Sandbox is free for testing; Live mode requires wallet funding
  • The Mono Connect Widget securely handles user authentication
  • Always configure webhooks for real-time transaction updates

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Developer Tools

SDKs

Web, React Native, iOS, Android, Flutter SDKs

Libraries

Node.js, Python, PHP, Ruby, and more

Postman Collection

Pre-configured API collection for testing

Brand Assets

Logos, icons, and branding guidelines

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Using with AI Tools

Add Mono’s llms.txt to your AI context: 
# Direct URL
https://docs.mono.co/llms.txt

# Or use with Claude Desktop
{
  "mcpServers": {
    "mono": {
      "command": "npx",
      "args": ["-y", "@nigerianfintechllmstxt/server", "--provider", "mono"]
    }
  }
}

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Resources

API Reference

Complete API documentation with examples

Coverage

Supported banks across all countries

Developer Community

Join the Mono developer Slack community

Support Center

Help articles and customer support

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llms.txt File

The Mono llms.txt file is available at: Source: ~/workspace/source/mono/llms.txt Online: https://docs.mono.co/llms.txt This file contains comprehensive documentation for:
  • Financial data access APIs
  • Payment and direct debit APIs
  • Identity verification (Lookup)
  • Data enrichment services
  • Customer management
  • Webhook events
  • Authentication and security
  • Developer tools and SDKs

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