# Mono MCP for AI Agents AI Agent Connect

> Mono MCP lets you manage African bank accounts and payments. It pulls balances, transaction logs, and identity data while handling direct bank transfers. Use it to connect your financial operations to your AI agent for real-time data and automated payouts.

## Overview
- **Category:** finance-accounting
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_MTI2tbqmSxw9TCnHEgdY30bPRlFJncef8uErHzDM/ai-agent-connect
- **Tags:** open-banking, africa-fintech, bank-statement, transaction-history, payment-api

## Description

This Mono MCP bridges the gap between your actual bank accounts and your AI workspace, specifically focusing on the African financial landscape. Instead of jumping between different portals to check a balance or find an old transaction, you can just ask your agent to do it for you. It pulls in the raw numbers you need for reporting, fetches identity verification details for your users, and even handles the heavy lifting of moving money. If you're tired of manual data entry and want a way to pull bank statements directly into your workflow, this is how you do it. You can find this and thousands of other tools in the Vinkius catalog, making it easy to keep your financial stack connected to your AI. It's about moving from 'how do I get this data' to 'what does this data mean for my business.' You won't have to worry about the technical hurdles of API keys or complex endpoints anymore. Your agent handles the requests, and you get the results in plain text or files ready for your next move. Whether you're balancing the books or sending out a batch of payments, the connection stays solid and the data stays accurate.

## Tools

### initiate_payment
Send a direct bank transfer with a specific reference and description. This makes it easy to automate payouts.

### get_statement
Download a bank statement for a Mono account in PDF or JSON format. This is great for quick audits.

### get_transactions
Pull a list of transactions from a specific account with date and type filters. Use this to check history.

### get_account
Get the balance, account number, and institution details for any linked account. Use this for quick checks.

### get_identity
Retrieve verified names, BVN numbers, and contact info for an account holder. This simplifies your KYC flow.

## Prompt Examples

**Prompt:** 
```
Get the balance for account 99887766.
```

**Response:** 
```
I've checked account 99887766. It's held at Zenith Bank with a current balance of 450,000 NGN.
```

**Prompt:** 
```
List all the credit transactions from last week.
```

**Response:** 
```
I found 4 credit transactions from last week. Here they are:

| Date | Amount | Label |
| :--- | :--- | :--- |
| 12-10-2023 | 10,000 NGN | Salary |
| 13-10-2023 | 5,000 NGN | Refund |
| 14-10-2023 | 2,000 NGN | Transfer |
| 15-10-2023 | 1,000 NGN | Interest |
```

**Prompt:** 
```
Send 2000 kobo to vendor with ref VEND-01.
```

**Response:** 
```
I've sent that payment request. 

**Details:**
- **Reference:** VEND-01
- **Amount:** 2000 kobo
- **Description:** Vendor Payment

Please follow the redirect URL provided in your client to complete the final authorization.
```

## Capabilities

### Fetch real-time account balances
Your agent pulls current balances and account details from any linked institution instantly.

### Query historical transaction logs
Get a full history of credits and debits filtered by specific dates or types.

### Download bank statements
Retrieve statements in PDF or JSON formats for your records or audits.

### Retrieve verified identity details
Pull verified names, BVNs, and contact info directly into your conversation.

### Initiate direct bank transfers
Send money to other accounts with custom references and descriptions via chat.

## Use Cases

### Audit a specific month
An analyst asks the agent to find all credit transactions from last month. The agent uses get_transactions to find the data and summarizes it.

### Automate a service payout
An operations lead tells the agent to pay a vendor. The agent uses initiate_payment to send the funds with a custom reference.

### Verify a new user
A developer wants to check a user's identity. The agent uses get_identity to pull the BVN and name.

### Quick balance check
A manager asks 'How much is in the GTBank account?' The agent uses get_account and reports the balance.

## Benefits

- Stop manual data entry by using get_account to pull balances instantly into your workspace.
- Speed up auditing by using get_statement to grab PDF or JSON files without logging into a separate portal.
- Automate your payout logic by using initiate_payment to move money based on your agent's instructions.
- Simplify KYC by using get_identity to pull verified user details directly into your conversation.
- Get a clear view of cash flow by using get_transactions to filter for specific dates or types.

## How It Works

The bottom line is you get a direct line from your AI agent to African banking data and payment rails.

1. Subscribe to the Connector and provide your Mono Secret Key.
2. Connect your AI client like Claude, Cursor, or Windsurf.
3. Ask your agent to pull balances, fetch statements, or send payments.

## Frequently Asked Questions

**What can the Mono MCP do for my business?**
It connects your AI agent to African banking systems. You can use it to pull account balances, download statements, and send payments without leaving your workspace.

**How does Mono help with bank statements?**
It allows your agent to pull bank statements in PDF or JSON formats automatically. This saves you from logging into portals to download files for your records.

**Can I use Mono to send money?**
Yes, you can use it to initiate direct bank transfers. Your agent can handle the details like references and descriptions for you.

**Does the Mono MCP work with Claude or Cursor?**
Yes, it works with any MCP-compatible client including Claude, Cursor, and Windsurf.

**Is Mono for African banking only?**
Yes, this Connector is specifically designed for financial institutions and services within the African market.

**How do I get my account balance?**
You can simply ask your AI agent to check the balance of a specific account. It will use the connection to pull the real-time data for you.

**Can I check the balance and institution details of a specific linked account?**
Yes! Use the `get_account` tool with the specific Account ID. The agent will return the current balance, account number, and the name of the financial institution.

**How do I download a bank statement in PDF format for a specific period?**
You can use the `get_statement` tool. Specify the `account_id`, set the `output` parameter to 'pdf', and define the `period` (e.g., 'last6months') to receive the statement data.

**Is it possible to verify the identity of the account holder?**
Absolutely. The `get_identity` tool allows you to fetch verified information such as the holder's full name, BVN, phone number, and registered address directly from the linked bank account.