aid: monisnap
name: MONI (Ex-Monisnap)
description: 'MONI, formerly Monisnap, is a Paris-based remittance fintech founded in 2017 by Raphaël Rivière,
  Jean-Baptiste Bouvier and Jonathan Brossard. It lets diaspora customers in France, Spain and the United
  Kingdom send money to roughly 150 countries — as cash pickup across a partner network of some 350,000
  payout points, as a transfer into a mobile money wallet, as mobile airtime top-up with more than 800
  operators, or as a prepaid card recharge — through a consumer app and the monisnap.com and allo.monisnap.com
  storefronts. Alongside the consumer product MONI runs a B2B "Moni-as-a-Service" remittance-as-a-service
  platform that banks and neobanks such as Nickel and Bnext embed white-label in their own applications.
  MONISNAP SAS is registered with the French ACPR as a payment services agent of MPS SAS, an authorised
  payment institution (CIB 17738). MONI publishes no public API: there is no developer portal, no API
  reference and no machine-readable contract on any MONI host — the partner platform is reached through a
  sales conversation.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - rate-limits
  - security
  generated: '2026-09-02'
  method: derived
image: https://www.monisnap.com/logo.png
url: https://raw.githubusercontent.com/api-evangelist/monisnap/refs/heads/main/apis.yml
x-type: company
x-source: serena-portfolio
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
tags:
- Company
- Fintech Insurtech
- Money Transfer
- Remittances
- Payments
- Mobile Money
- Airtime Top-Up
- Prepaid Cards
- Embedded Finance
- France
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/monisnap-domain-security.yml
- type: Website
  url: https://www.monisnap.com/fr/
- type: Conformance
  url: conformance/monisnap-conformance.yml
- type: Plans
  url: plans/monisnap-plans-pricing.yml
- type: RateLimits
  url: rate-limits/monisnap-rate-limits.yml
- type: LLMsTxt
  url: llms/monisnap-llms.txt
- type: Support
  url: https://monisnap.zendesk.com/hc/fr
- type: TermsOfService
  url: https://assets.monisnap.com/monisnap/legal/monisnap-legal-notice.pdf
- type: PrivacyPolicy
  url: https://www.monisnap.com/fr/politique-de-confidentialite/
- type: GitHubOrganization
  url: https://github.com/Monisnap
- type: Blog
  url: https://dev.to/monisnap
- type: BlogRSS
  url: https://dev.to/feed/monisnap
- type: LinkedIn
  url: https://www.linkedin.com/company/monisnap
x-enrichment:
  date: '2026-08-17'
  status: minimal
  artifacts_added: 6
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: >-
    MONI markets a B2B "Moni-as-a-Service" remittance-as-a-service platform that Nickel and
    Bnext already embed, but ships it entirely through direct sales — there is no developer
    portal to gate: api., docs., developer., developers. and sandbox.monisnap.com all
    NXDOMAIN, and every /.well-known/ discovery path on the two live hosts 404s.
  evidence:
  - url: https://developer.monisnap.com/
    status: 0
  - url: https://www.monisnap.com/.well-known/api-catalog
    status: 404
  - url: https://allo.monisnap.com/.well-known/agent-card.json
    status: 404
  - url: https://www.monisnap.com/llms.txt
    status: 404
  - url: https://www.monisnap.com/gb/
    status: 403
  checked: '2026-08-17'