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Built for Nigerian Fintechs

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Integration Flow

The complete lifecycle of a loan application involves four API calls on your end and four webhook events from ours. The flow is async and webhook-driven — you never need to poll.

1
POST /applications/initiateYour call

Create the applicant and application in one call. Receive a Mono Connect widget URL and an applicationId.

2
Open the widget URLUser action

Redirect or embed the widgetUrl so your applicant can link their bank account through Mono Connect. The widget closes automatically on completion.

3
account.linked webhookWe send

We notify your webhook URL that a bank account has been linked. Enrichment (income analysis + statement insights) begins automatically. No action needed yet.

4
account.enrichment_ready webhookWe send

Enrichment for that account is complete. If you need to link an additional account, call /link-account again and repeat steps 2–4. Otherwise, proceed to finalize.

5
POST /applications/:id/finalize-linkingYour call

Signal that the applicant has finished linking all their accounts. This locks the application and makes it eligible for analysis.

6
application.ready_for_analysis webhookWe send

All linked accounts are enriched and the application is ready. The applicationId is included — use it in the next call.

7
POST /applications/:id/analyzeYour call

Trigger loan analysis. The scoring engine reads all enriched account data and runs the full credit pipeline.

8
application.decision webhookWe send

The full scored decision object — including score, band, approval details or counter-offer, and explainability — is delivered to your webhook URL.

Use application.ready_for_analysis as your trigger for /analyze. This event fires only after finalize-linking and confirms all accounts are enriched. Calling /analyze before this will return a 400 error.