Mono
Mono is an open-banking platform for digital businesses needing financial data, identity verification, or direct bank payments.
What Mono is
Mono is an open-banking platform for digital businesses needing financial data, identity verification, or direct bank payments. Its products include Connect, Statement Pages, DirectPay, DirectDebit, Lookup, and Prove. Connect provides real-time transactions, income, balances, and financial insights from linked accounts, with pre-built connections to more than 50 banks. Statement Pages provides up to 12 months of customer bank statements without coding. Prove authenticates identity documents and checks liveness, with reuse of verified data across participating businesses; its checks target deepfakes, photo spoofing, and forged IDs. Supported data includes account information, balances, transactions, statements, identity, income, assets, earnings, and creditworthiness. Connections use internet or mobile banking, and statements are available in JSON or PDF. Mono offers APIs, SDKs, and libraries, requires explicit user consent for account access and sharing, and supports multi-entity use.
Good
- Real-time financial data through Connect
- Connections to 50+ banks
- Up to 12 months of statements
- Identity and liveness verification
- JSON and PDF statement formats
Watch out
- Basic plan capped at 100 unique accounts monthly
- Trial capped at five unique accounts monthly
- Enterprise pricing requires contacting sales
- Paid platform for ongoing use
Who it suits
Mono suits digital businesses building financial-data, identity, or bank-payment features. Developers can use its APIs and SDKs, while teams needing statement, identity, or transaction data get specialized products.
Verdict
Mono offers a broad open-banking toolkit spanning data access, statements, payments, and identity checks. Its account caps and plan structure matter for teams expecting higher usage.
Plans and prices
From Mono's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 30-day trial | Free | 30 days · capped at 5 unique accounts monthly |
| Basic | 50,000 NGN a month | For small developer teams · capped at 100 unique accounts monthly · MONTHLY |
| Enterprise band | Priced on request | Contact sales for more information |
The facts
Each one read from Mono's own pages, with the date it was checked.
What it does
- API and SDKs
- Mono provides an API reference and SDKs and libraries for developers.checked 4 Oct 2026
- Audience
- Mono describes its platform as serving digital businesses that need financial data, identity verification, or direct bank payments.checked 4 Oct 2026
- Bank connections
- Mono says Connect offers pre-built connections to 50+ banks.checked 4 Oct 2026
- Connect
- Connect lets businesses access real-time transactions, income, balances, and financial insights from linked bank accounts.checked 4 Oct 2026
- Consent
- Mono's end-user policy says it accesses and shares account information only with the user's explicit consent.checked 4 Oct 2026
- Fraud prevention
- Prove offers liveness detection and document verification to identify deepfakes, photo spoofing, and forged IDs.checked 4 Oct 2026
- Identity verification
- Prove authenticates IDs, verifies documents, and checks liveness, with customers able to reuse verified data across participating businesses.checked 4 Oct 2026
- Integrations
- Mono's coverage page lists banks and services including GTBank, Access Bank, Kuda Bank, Flutterwave, and Paystack.checked 4 Oct 2026
- Products
- Mono lists financial data, payments, and identity verification products, including Connect, Statement Pages, DirectPay, DirectDebit, Lookup, and Prove.checked 4 Oct 2026
- Security
- Mono says the platform is designed for secure access to financial accounts and that it uses security protocols to protect sensitive information.checked 4 Oct 2026
- Statement Pages
- Statement Pages lets businesses access up to 12 months of customer bank statements without coding.checked 4 Oct 2026
- Support
- Mono provides a support center and lists customer support among its resources.checked 4 Oct 2026
- What it does
- Mono provides businesses with financial data, identity verification, and direct bank payment services through open banking.checked 4 Oct 2026
The company
- Company
- Mono says it was founded in 2020 and identifies its legal entity as Mono Technologies Nigeria Limited.checked 4 Oct 2026
- Founded
- 2020checked 28 Sep 2026
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