# Mono MCP

> Mono connects your AI agent directly to African financial institutions for real-time money operations. Access current account balances, download official statements, check transaction history, verify user identities, and initiate direct bank transfers—all using natural conversation.

## Overview
- **Category:** finance-accounting
- **Price:** Free
- **Tags:** open-banking, africa-fintech, bank-statement, transaction-history, payment-api

## Description

You can connect Mono to any AI client to manage finances across multiple African banks without logging into separate web portals. The agent pulls real-time data, letting you query account details or run deep reports instantly. Need to audit a user? You pull verified identity information and check historical transactions with specific date filters. Don't need a PDF statement for your quarterly review? Just ask the MCP to generate it, ready for filing. Plus, you can execute payments directly through the system using simple commands. Since Vinkius hosts this entire catalog, you connect once and get access to all these payment tools, keeping your workflow centralized.

This means instead of opening a dozen tabs and manually copying figures, your agent does the heavy lifting. It gives you immediate visibility into cash flow and allows for instant payouts, making financial operations feel like talking to an expert banker.

## Tools

### get_account
Retrieves detailed information and the current balance for a specified Mono account.

### get_identity
Pulls verified personal identity records, such as BVN and full name, associated with an account.

### initiate_payment
Sends a direct instruction to move funds between accounts, requiring specific reference details.

### get_statement
Generates and provides bank statements for an account in either PDF or structured JSON format.

### get_transactions
Fetches a filtered list of all recorded credits and debits for a given Mono account history.

## Prompt Examples

**Prompt:** 
```
Fetch the account details and balance for account ID 642a1b2c3d4e5f6g7h8i9j0k.
```

**Response:** 
```
I've retrieved the details for account 642a1b2c3d4e5f6g7h8i9j0k. The account is held at GTBank with a current balance of 250,000 NGN. The account number is 0123456789.
```

**Prompt:** 
```
List all credit transactions for account 642a1b2c... from the last month.
```

**Response:** 
```
I found 3 credit transactions for the requested period. The largest was a transfer of 50,000 NGN on 15-10-2023 labeled 'Salary Deposit'. Would you like to see the full list?
```

**Prompt:** 
```
Initiate a payment of 5000 kobo with reference 'REF-998' and description 'Service Fee'.
```

**Response:** 
```
Payment initiation request sent. Reference: REF-998. Amount: 5000 kobo. Description: Service Fee. Please follow the redirect URL provided to complete the authorization.
```

## Capabilities

### Check account status
Retrieve current balances and core details for any linked financial account.

### Review transaction history
Query detailed lists of credits or debits within a specified time frame.

### Download bank statements
Generate and retrieve official financial records in PDF or JSON formats for auditing.

### Verify user identity
Pull verified personal data, including BVN numbers and full names, for compliance checks.

### Execute bank transfers
Initiate direct funds movement between accounts using defined reference codes.

## Use Cases

### Quarterly Audit Preparation
A financial analyst needs to reconcile accounts from three different partners. Instead of downloading and consolidating three separate PDFs, they ask their agent to use get_statement for all three, receiving structured JSON data ready for immediate spreadsheet import.

### Client Onboarding Verification
An operations team needs to verify a new vendor. They instruct their agent to run get_identity first to confirm the BVN and full name before proceeding with setting up payment details, preventing costly errors.

### Emergency Payouts
A manager needs to send urgent funds to a contractor. Instead of going through manual banking forms, they use initiate_payment via their agent, specifying the amount and required reference immediately in conversation.

### Investigating Suspicious Activity
A compliance officer suspects irregular spending. They ask their agent to run get_transactions for a specific account ID over the last six months, filtering out routine payments to narrow down suspicious activity quickly.

## Benefits

- Stop logging into multiple banking sites. Mono lets your agent access and manage accounts from one place, simplifying cross-bank financial oversight.
- Speed up audits by using get_statement to instantly pull bank records in JSON or PDF format, making reconciliation faster than manual data entry.
- Reduce payment friction. You can initiate payments directly via the MCP using initiate_payment, completing transfers with custom descriptions and references.
- Improve compliance checks. Use get_identity to retrieve verified user details like BVN immediately when onboarding a new client.
- Get complete financial visibility by running get_transactions queries that filter for specific date ranges or transaction types (credit/debit).
- Know the exact status of any account right now; get_account instantly provides real-time balances and account numbers without delays.

## How It Works

The bottom line is you talk to your AI client, and it handles all the complex bank communication using Mono in the background.

1. You subscribe to the Mono MCP and input your secret key into your AI client.
2. Your agent sends a natural language request (e.g., 'Show me last month's spending').
3. Mono executes the necessary tool calls, returns structured financial data directly to your agent.

## Frequently Asked Questions

**How does the Mono MCP handle different African banks?**
The MCP connects your AI agent across multiple financial institutions, giving you a single point of access to services like get_account and get_transactions regardless of where the money is held.

**Do I need specific bank credentials for get_statement?**
No. After subscribing and providing your Mono secret key, the MCP handles the secure connection; you just tell your agent which account's statement you want to retrieve.

**Can I use Mono to verify a client's ID using get_identity?**
Yes. get_identity retrieves verified personal information, including BVN and full names, ensuring the person receiving funds is who they claim to be.

**Is initiating payments with Mono instantaneous?**
The MCP sends the initiation request instantly using initiate_payment; however, final fund completion usually requires following a redirect URL provided for authorization confirmation.

**What kind of data can I get from get_transactions?**
You can fetch detailed transaction histories. The tool allows filtering by specific dates and whether the movement was a credit or a debit.