slug: mono-co
provider: Mono
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 3
edges:
- tag: DirectPay
  spec_file: mono-co-directpay-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.9
  evidence: POST /v2/payments/initiate initiatePayment Initiate DirectPay payment; GET /v2/payments/verify/{reference}
    verifyPayment
  reason: One-time bank transfer initiation and verification is plainly payment initiation management.
- tag: Direct Debit
  spec_file: mono-co-direct-debit-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.85
  evidence: POST /v2/payments/initiate-mandate initiateMandate Initiate mandate authorisation; POST /v3/payments/mandates/{id}/debit
    debitMandate
  reason: Direct debit mandate authorisation and debiting is payment instruction capture and authorisation
    — payment initiation management.
- tag: Account Information
  spec_file: mono-co-account-information-api-openapi.yml
  capability_id: BC-1300.40
  capability_id_l1: BC-1300
  capability_name: Customer Information Management
  confidence: 0.7
  evidence: GET /v2/accounts/{id}/balance getAccountBalance Get account balance; POST /v2/accounts/{id}/unlink
    unlinkAccount
  reason: Open-banking AISP surface exposing linked bank account details and balances — banking customer
    account information access. Sub-capability choice is uncertain between customer information and deposit
    account management; L1 Banking Customer Management is the safest anchor.