Overview
Mono is an African open banking API that lets you connect to users bank accounts to access transaction history, balances, and identity data. It supports major banks across Nigeria, Ghana, Kenya, and other African countries. Developers use it to build fintech apps, lending platforms, and personal finance tools for African markets.
Beginner Tip
Mono requires user authorization through their Connect Widget before you can access any account data; integrate the widget on your frontend first, then use the resulting code to exchange for an account ID.
Available Data
Example Response
{
"status": "success",
"data": {
"result": "Data from Mono",
"description": "Connect with users’ bank accounts and access transaction data in Africa",
"timestamp": "2025-01-15T10:00:00Z"
}
} Field Reference
status Indicates whether the API request succeeded, typically successful. data Contains the main response payload such as transaction list or account details. paging Pagination metadata including total count and page number for navigating large datasets. amount Transaction amount in the smallest currency unit (e.g., kobo for NGN). date ISO 8601 timestamp of when the transaction occurred. Implementation Example
const url = "https://mono.co/";
// Replace headers or query params with the values required by this API.
const response = await fetch(url, {
headers: {
"X-API-Key": "YOUR_API_KEY"
}
});
if (!response.ok) throw new Error(`Request failed: ${response.status}`);
const data = await response.json();
console.log(data); What Can You Build?
Note: These code examples are AI-generated and unverified. Always refer to the official API documentation for accurate usage.
Common Errors & Troubleshooting
Matrix Score Breakdown
Partially tested on Apr 5, 2026
Technical Specifications
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