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Mono is a technology company on a mission to power the digital economy in Africa, using open banking as a layer for financial data, identity data, and bank transfer payments for businesses.

Do you want to know if mono network is down today ? Check below

MONO LIVE NETWORK STATUS

• CAC downtime
  July 17, 2026
  Jul 17, 09:12 BST Investigating – We are currently experiencing temporary downtime on the CAC search and profile endpoints due to an issue with our service provider (CAC). Our team is actively following up, and we will notify you as soon as normal service resumes. We apologise for any inconvenience caused.
• Prove Verification Downtime
  July 17, 2026
  Jul 17, 09:09 BST Investigating – We are presently investigating an issue where users are encountering challenges in verifying their identity details on the Prove widget. Consequently, they are unable to complete the verification process. Our engineering team is working hard to resolve this, and we will update you once the service is back up and running.
• Direct Debit: Service Downtime
  July 15, 2026
  Jul 15, 18:08 BST Resolved – This incident has been resolved. Jul 14, 13:05 BST Monitoring – A fix has been implemented, and we are monitoring the results. Jul 14, 12:16 BST Investigating – We are currently experiencing downtime from our provider, which is affecting the mandate creation, approval, and debit services. As a result, you may encounter an error when attempting to create a mandate or initiate a debit.We sincerely apologize for any inconvenience this may cause. We are in active communication with the NIBSS team to resolve this and will provide an update as soon as the service […]
• BVN [Legacy] Downtime
  July 9, 2026
  Jul 9, 22:33 BST Resolved – This incident has now been resolved. We appreciate your patience while we worked on resolving this. Jul 9, 17:18 BST Identified – We are currently facing an issue with identity verification on our BVN legacy endpoint: users are unable to verify their BVN identity. We have escalated the issue with our provider, and the team is actively engaged in resolving this matter. We're committed to providing timely updates as soon as we gather more information.We apologise for any inconvenience this may have caused and appreciate your patience and understanding.
• FCMB Internet Downtime
  July 6, 2026
  Jul 6, 21:49 BST Resolved – This incident has been resolved. Thank you for being so patient. Jun 29, 11:39 BST Identified – We are presently investigating an issue where users are encountering challenges in authenticating with their FCMB internet details. Consequently, they are unable to link their accounts for financial data retrieval. Our engineering team is working hard to resolve this, and we will update you once the service is back up and running. It's worth noting that this problem is specific to FCMB banking authentication method.

MONO FAQS

Why do I have a different account ID when a user links an account multiple times?

Each time the same account is linked multiple times, a unique account ID is generated for the connected account.

How can I get my public and secret keys?

To get your public and secret keys, you have to:Sign up on the Mono Dashboard,Navigate to the Apps tab on the sidebar,Click the ‘Create an app’ button to create an app,Then, click on the newly created app to see your public and secret keys.

How can you confirm that an account belongs to the same user?

You can verify that an account belongs to the same user by matching the user’s BVN against what you already have saved in your database. Also, depending on your business use case, you might want to set up a validation policy to prevent users from linking an account multiple times, except if the account has been unlinked before.

Why does the data_status of a connected account show PROCESSING?

This happens because some banks are faster than others, so data may become available instantly after authorization, while others might take a few seconds or minutes to return the required data.

Why does the data_status of a connected account keep returning FAILED?

If data_status is returning FAILED, you can solve this by:Initiating data sync manually, then retrying the endpoint If the above returns reauthorization_required, then your customer will need to reauthorize before retrying the endpoint.

Why do I keep getting empty statement data?

The reason why you are getting empty statement data may be because the data is yet to be returned by the user’s bank and is still processing or the account is new and does not have any data. To confirm if the data for the connected account(s) is still processing or available, you can check the data_status via the account information endpoint or the account updated webhook, which notifies you when data is available for a connected account.

Is it possible to connect via API without using the Mono Connect widget?

Yes it is, You can do this via the Mono Connect Partners API. You can get started here.

After you implement the Mono Connect Widget in your application and an account is successfully linked, the temporary code will be returned from the onSuccess callback.Note: The code will expire in 10 minutes.

After I get the temporary code, what should I do next?

Once you have gotten the temporary code, you need to make a POST request to the Exchange Token API with the code and your secret key so you can get an account ID which will then be used to make a request to the Mono Connect endpoints