Mono

Finance

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Connect with users’ bank accounts and access transaction data in Africa.

About Mono

Mono is an Open Banking API company serving businesses in Africa. Its product suite covers financial data access (real-time account connections, no-code bank statement pages, data enrichment), creditworthiness verification, payments (one-time and recurring bank payments, standing orders, and outbound disbursements), and identity verification (government ID lookup and customer identity checks).

The platform targets use cases including KYC and customer onboarding, credit risk assessment, payment collection, and personal finance insights. Named industry applications include SaaS, insurance, investments and savings, payroll, and lending/BNPL operators, particularly around Direct Debit for recurring payment collection.

Mono provides developer documentation, an API reference, SDKs and libraries, an API changelog, and an API status page for integration.

Key features

Real-time financial data access via Connect
No-code bank statement retrieval with Statement Pages
Enriched, granular financial data insights via Data Enrichment
Credit eligibility verification via Creditworthiness
One-time and recurring bank payments via DirectPay, DirectDebit, and Global Standing Mandate
Government ID and customer identity verification via Lookup and Prove

Frequently asked questions

What does Mono do?

Mono is an Open Banking API company that provides financial data, payments, and identity verification products for businesses in Africa.

What use cases does Mono support?

Mono supports KYC and customer onboarding, credit risk assessment, payment collection, and personal finance insights.

What payment products does Mono offer?

Mono offers DirectPay for one-time bank payments, DirectDebit for recurring payments, Global Standing Mandate for standing orders, and Disburse for outbound payments.