monobank API & Open Finance Integration Solutions

An API source delivery, OpenAPI docs and compliance guidance for digital banking & fintech open integrations
Enterprise-grade delivery
Starting at $300 • Pay on acceptance / after delivery
OpenData · OpenFinance · Protocol Analysis · Data Interfaces

Safely connect monobank's digital banking capabilities to your platform

We provide runnable API sources, OpenAPI documentation and complete interface delivery based on authorized and open data, covering account binding, transactions and statements, virtual cards and multi-currency card management, as well as installment/consumer loan management for external integration.

Account & Identity Binding — supports mobile number / document verification (Diia), session and token management (token refresh / session), and adapts to biometric and MPIN flows.
Transactions & Reconciliation — retrieve transaction history by date, tags and category; supports CSV/Excel/JSON export with pagination and incremental pulls.
Cards & Multi-Currency — create virtual cards, manage USD/EUR cards, set card limits and spend controls (domestic/international, online/offline, contactless/non-contact).
Installments & Debit/Credit — convert historical transactions into installments/EMI, cash withdrawals and credit limit queries, and generate repayment plans.
Get a Quote View Deliverables

What we deliver

Delivery Package

  • OpenAPI / Swagger full interface specifications
  • Protocol and authorization flow analysis reports (Session, MPIN, Biometric, Token)
  • runnable SDK samples (Node.js / Python) with deployment instructions
  • Automated test scripts, Postman collections and acceptance criteria
  • Compliance guidance (data retention, logging, KYC and privacy minimization)

Sample Interface: Transaction Reconciliation (pseudo-code)

POST /api/v1/monobank/transactions/reconcile
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user:12345',
  'from': '2025-09-01T00:00:00Z',
  'to': '2025-09-30T23:59:59Z',
  'categories': ['payments','transfers'],
  'format': 'json' // json | excel | csv
}

Response: {
  'status': 'OK',
  'reconciled_at': '2025-10-22T10:05:00Z',
  'transactions': [ /* standardized transaction items */ ]
}

Typical Integration Scenarios

Account opening & KYC, automatic virtual card issuance, multi-currency card settlement for ecommerce/travel, convert consumer spending into installments, automate reconciliation and financial reporting, and merchant payment aggregation integration.

Core Advantages

  • Compliance-first: implemented only under client authorization or public API, with data minimization and audit trails.
  • Cross-language delivery: offering Node.js / Python / Go SDKs and samples
  • Rapid delivery: typical 5–15 business days for protocol analysis and first deliverable
  • Global scope: supports multi-currency, multi-region payments and compliance adaptation

Integration Guide (Quick Start)

  1. Step 1 — Provide target App package name (provided: com.ftband.mono) and integration requirements (e.g., reconciliation, virtual cards, installments).
  2. Step 2 — Confirm authorization method (phone + OTP, Diia, MPIN, biometric), and provide test accounts or user authorization flow.
  3. Step 3 — We perform protocol analysis and interface modeling (2–5 business days), providing secure access design and pricing.
  4. Step 4 — Develop runnable API and SDK (3–10 business days), deliver OpenAPI, sample code and test suites.
  5. Step 5 — Go-live support: deployment, performance tuning and compliance audits (as needed).

Note: We follow safe terminology (e.g., 'protocol analysis' and 'reverse engineering') and only work within client authorization and legal boundaries.

About Our Studio

We are a team focused on mobile app protocol analysis and authorized API integration, with members from fintech, payments and cloud security backgrounds. We deliver compliant, auditable financial interfaces and documentation to enterprise clients.

  • Scope: protocol analysis, OpenData integration, third-party integrations, automated delivery
  • Platforms: Android / iOS / Server-side SDK
  • Deliverables: runnable source code, OpenAPI docs, test scripts, compliance guidance
  • Transparent pricing: starting at $300, flexible pay-after-delivery options

Contact Us

If you need a quote, want to submit a monobank integration request or request sample deliverables, please use the link below to contact us:

Visit Contact Page / Submit Request

📱 monobank Official App Features Overview (Collapsed)

Below is a concise overview of monobank features based on public information, for technical integration reference only:

  • Rapid onboarding: phone number verification + identity documents (Diia, ID card, passport, or residence permit) to open an account; immediate virtual or physical card issuance.
  • Virtual companion experience: Monocat-like UX with personalized prompts and interactions.
  • Security controls: granular card settings, transaction blocking, prevention of duplicate charges, and service block options.
  • Multi-currency and cards: instant issuance of USD/EUR cards, online FX and multi-currency settlement.
  • Fast payments: scan-to-pay, camera-based card number recognition, Google Pay integration, real-time payments with instant cancellation.
  • Installments and lending: convert past transactions into installments, flexible installment plans and credit limits usage.
  • Expense analysis: spending tagging, reports and dashboards, export statements via email.
  • Children/family accounts: sub-accounts with spending rules for kids.
  • Business & merchants: corporate accounts, payroll and accounting exports support.
  • Additional services: virtual eSIM, electronic signatures (QES), insurance and partner services.

Note: The above content is a public feature summary intended for integration planning. Actual integration should follow official terms and approvals.