Concepts
The entities Core exposes — ledger, cards, spending controls, payouts, and FX rates.
Core's API is built around a handful of entities. Each one has its own data model and lifecycle, and most have their own webhooks. Understanding them in isolation is the prerequisite for combining them in a flow.
Collecting money into subaccounts is a whole sub-area of its own — Payins — nested in this section with its own concept pages and methods; its flows and webhooks live in Core's Flows and Webhooks sections.
Ledger
Double-entry bookkeeping for accounts, transactions, holds, and settlements.
Programs
Group accounts under one configuration — currencies, features or services, methods, funding account.
Fees
What you charge your users and what Mono charges you — and the policies that set the price.
Payins
Money in — templates, intents, payins, and settlement batches.
Payouts
Money out — to internal accounts or external destinations.
Cards
Virtual and physical cards that spend against ledger accounts.
Spending controls
Real-time rules that limit what a card can do.
FX rates
Reference rates and conversion mechanics for multi-currency ledgers.