aid: mono-africa url: https://raw.githubusercontent.com/api-evangelist/mono-africa/refs/heads/main/apis.yml name: Mono kind: company description: Mono is an open banking and financial data infrastructure company for Africa (often described as the "Plaid for Africa"), headquartered in Lagos, Nigeria and now part of Flutterwave. Its REST APIs let businesses link customer bank accounts and retrieve financial data (accounts, transactions, identity, income, balance, statements, assets, earnings), assess creditworthiness, collect direct bank payments via DirectPay (direct debit), and verify identity data (BVN, NIN, CAC, account numbers) through the Lookup services. Server-to-server calls authenticate with a secret key sent in the `mono-sec-key` header, and account linking is completed through the hosted Mono Connect widget. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Open Banking - Financial Data - Payments - Fintech - Account Linking - Direct Debit - Bank Data - Africa - Nigeria - Financial Infrastructure created: '2026-07-12' modified: '2026-07-12' specificationVersion: '0.19' apis: - aid: mono-africa:mono-africa-connect-api name: Mono Connect API tags: - Account Linking - Authorization - Open Banking image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/docs/financial-data/overview baseURL: https://api.withmono.com/v2 properties: - url: https://docs.mono.co/docs/financial-data/overview type: Documentation - url: https://docs.mono.co/docs/financial-data/connect-link type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Account linking authorization flow. Initiate a linking session for the hosted Mono Connect widget, then exchange the returned authorization code for a permanent account id used on all subsequent financial-data calls. Also covers re-authorization when a customer needs to re-consent. - aid: mono-africa:mono-africa-financial-data-api name: Mono Financial Data API tags: - Financial Data - Transactions - Bank Data - Identity image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/api/bank-data/transactions baseURL: https://api.withmono.com/v2 properties: - url: https://docs.mono.co/docs/financial-data/overview type: Documentation - url: https://docs.mono.co/api/bank-data/transactions type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Read financial data from a linked account by account id - account details, transaction history, identity/KYC, real-time balance, income analysis, and bank statements (JSON or PDF) - plus unlink an account when consent ends. - aid: mono-africa:mono-africa-investment-data-api name: Mono Investment Data API tags: - Investments - Assets - Earnings image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/api/bank-data/investment/assets baseURL: https://api.withmono.com/v2 properties: - url: https://docs.mono.co/docs/financial-data/overview type: Documentation - url: https://docs.mono.co/api/bank-data/investment/assets type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Retrieve investment holdings for a linked account - assets (securities, mutual funds, and other holdings) and earnings/returns - for wealth and portfolio use cases. - aid: mono-africa:mono-africa-creditworthiness-api name: Mono Creditworthiness API tags: - Creditworthiness - Credit Decisioning - Lending image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/api/bank-data/accounts/credit-worthiness baseURL: https://api.withmono.com/v2 properties: - url: https://docs.mono.co/docs/financial-data/overview type: Documentation - url: https://docs.mono.co/api/bank-data/accounts/credit-worthiness type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Assess a customer's repayment capacity from their linked-account financial history, returning an affordability/creditworthiness analysis to support lending and credit-decisioning workflows. - aid: mono-africa:mono-africa-directpay-api name: Mono DirectPay API tags: - Payments - Direct Debit - Bank Transfer image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/api/directpay/initiate baseURL: https://api.withmono.com/v2 properties: - url: https://docs.mono.co/docs/payments/overview type: Documentation - url: https://docs.mono.co/api/directpay/initiate type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Collect direct bank payments without cards. Initiate a one-time debit payment (paid via the DirectPay widget), verify a payment's status by reference, and list all payments. Value should only be given after the verify endpoint confirms a successful payment. - aid: mono-africa:mono-africa-lookup-api name: Mono Lookup API tags: - Identity Verification - KYC - BVN - Africa image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.mono.co/docs/lookup/overview baseURL: https://api.withmono.com properties: - url: https://docs.mono.co/docs/lookup/overview type: Documentation - url: https://docs.mono.co/api/lookup/mashup type: APIReference - url: openapi/mono-africa-openapi.yml type: OpenAPI - url: collections/mono-africa.postman_collection.json type: PostmanCollection - url: collections/mono-africa.opencollection.json type: OpenCollection description: Verify and validate user- and company-submitted data for Nigerian KYC/KYB - BVN (consent-based), account-number ownership, and the Mashup identity lookup. Note that account-number and Mashup lookups are served under the `/v3/lookup` path while BVN uses `/v2/lookup`. common: - type: AgenticAccess url: agentic-access/mono-africa-agentic-access.yml - type: DomainSecurity url: security/mono-africa-domain-security.yml - type: Authentication url: authentication/mono-africa-authentication.yml - type: GitHubOrganization url: https://github.com/withmono - type: LinkedIn url: https://www.linkedin.com/company/withmono - type: Website url: https://mono.co/ - type: Documentation url: https://docs.mono.co - type: Plans url: plans/mono-africa-plans-pricing.yml - type: RateLimits url: rate-limits/mono-africa-rate-limits.yml - type: FinOps url: finops/mono-africa-finops.yml - url: https://mono.co/blog type: Blog maintainers: - FN: Kin Lane email: kin@apievangelist.com