# Getting Started (/docs/guides)



Mono is banking infrastructure for Latin America. Connect your company to the Colombian banking network, including Bre-B, the instant-payment scheme, without becoming a bank. Move money in and out, hold balances, issue cards, and track every cent.

These guides are written for everyone who works with Mono, not just engineers. Whether you are a product manager evaluating us, a finance lead figuring out reconciliation, a support agent looking up an error code, or a developer wiring up a webhook: it's all here.



## What you can achieve with Mono [#what-you-can-achieve-with-mono]

* **Pay-ins** — Accept payments from any Colombian bank account via PSE.
* **Payouts** — Send money to Colombian bank accounts via ACH, Transfiya, or Mono Turbo.
* **Virtual and physical cards** — Issue cards with a programmable balance and real-time spending controls.
* **Ledger accounts** — Hold balances for your users in a double-entry, fully auditable ledger.
* **Bre-B integrations** — Receive and send instant interbank payments via Bre-B.

## Pick your path [#pick-your-path]

Each section below answers a different question. Start where your question lives.

<Cards>
  <Card icon="<Building />" title="Who We Are" href="/docs/guides/who-we-are">
    Mono in one page — what we do, who we serve, and how we operate.
  </Card>

  <Card icon="<Briefcase />" title="Why Use Mono" href="/docs/guides/why-mono">
    Use cases, fit criteria, and what you can build that you could not build before.
  </Card>

  <Card icon="<ShieldCheck />" title="Technical Support" href="/docs/guides/technical-support">
    Channels, response times, and how to escalate a production incident.
  </Card>

  <Card icon="<BookOpen />" title="API standards" href="/docs/guides/api-standards/authentication">
    Authentication, idempotency, errors, formats, pagination — conventions that apply across
    products.
  </Card>
</Cards>

## Services [#services]

Mono is organized around three services. Each one has its own guide tree.

<Cards>
  <Card icon="<Landmark />" title="Banking" href="/docs/guides/banking">
    Bank accounts, transfers (ACH, Transfiya, Mono Turbo), PSE collections, and card issuing.
  </Card>

  <Card icon="<Cpu />" title="Core" href="/docs/guides/core">
    Programmable ledger, card issuing, spending controls, payouts.
  </Card>

  <Card icon="<Banknote />" title="Bre-B Participant" href="/docs/guides/breb-participant">
    Send and receive Bre-B instant payments through the Mono API.
  </Card>
</Cards>

## If you want to do X, read Y [#if-you-want-to-do-x-read-y]

| You want to...                                        | Start here                                                                         |
| :---------------------------------------------------- | :--------------------------------------------------------------------------------- |
| Collect a payment via PSE on your e-commerce checkout | [Banking → PSE collection](/docs/guides/banking/flows/pse-collection)              |
| Send payouts to Colombian bank accounts               | [Banking → Sending transfers](/docs/guides/banking/flows/sending-transfers)        |
| Build a wallet with balances and cards                | [Core → Integration example](/docs/guides/core/integration-example)                |
| Hold balances in a programmable ledger                | [Core → Ledger](/docs/guides/core/concepts/ledger)                                 |
| Issue virtual or physical cards                       | [Banking → Cards](/docs/guides/banking/concepts/cards)                             |
| Receive Bre-B payments via QR                         | [Bre-B → QR collection](/docs/guides/breb-participant/flows/qr-collection)         |
| Send a Bre-B transfer                                 | [Bre-B → Outgoing transfer](/docs/guides/breb-participant/flows/outgoing-transfer) |
| Understand authentication, errors, idempotency        | [API standards](/docs/guides/api-standards/authentication)                         |

## Quick start [#quick-start]

From zero to your first call:

1. **Get credentials.** Sign in to the [Mono Dashboard](https://mi.cuentamono.com) and generate a sandbox API key for the service you are integrating.
2. **Read the relevant authentication page.** [Banking](/docs/guides/banking/api/authentication) and [Core](/docs/guides/core/authentication) use API keys; [Bre-B](/docs/guides/breb-participant/authentication) uses OAuth.
3. **Make a test call.** Use the curl snippet on the authentication page against the sandbox base URL.
4. **Wire a webhook.** Each service emits webhooks for state changes — register your endpoint and verify the first event.
5. **Run an end-to-end flow.** Pick the flow that matches your use case from the table above and follow it through sandbox.

## Coverage [#coverage]

Today Mono operates in **Colombia**. We are expanding regionally; reach out to your account team if you are evaluating Mono for a country we have not yet announced.