Why Use Mono
Use cases and what you can build with Mono.
The answer to "why use Mono" depends on what you need. This page lays out the use cases we serve well, the products you compose to serve them, and the concrete benefits. Read this before scoping an integration — it will save discovery time later.
Primary use cases
| Use case | What you build | Mono products you use |
|---|---|---|
| Consumer wallet | Account, top-ups, card spending, peer-to-peer transfers | Banking (Cards + PSE) + Core (Ledger) |
| Marketplace seller payouts | Per-seller balances, scheduled payouts to bank accounts | Banking (Transfers) + Core (Ledger) |
| E-commerce checkout | PSE collection, settlement reconciliation | Banking (Collection links) |
| Corporate cards / expense management | Per-employee cards with category and limit rules | Banking (Cards) + Core (Spending Controls + Ledger) |
| Bre-B for a bank or EDE | Programmable on-ramp to Bre-B for sending and receiving | Bre-B Participant |
| Treasury automation | Programmatic transfers across accounts and rails | Banking (Transfers) + Core (Ledger) |
| Lending disbursement | Push approved loan funds to borrower bank accounts | Banking (Transfers) |
| Payroll | Mass payouts to employee bank accounts | Banking (Batch transfers) |
Concrete benefits
What our customers get measurably from picking Mono:
- Integration time in weeks, not quarters. One API, one auth model, one error model — across Banking, Core, and Bre-B.
- Real-time settlement where the rail allows. Mono Turbo and Bre-B settle in seconds; ACH on the standard same-day cycle.
- Native Bre-B. As a Bre-B participant, Mono offers full payment-key control and direct settlement instead of a passthrough.
- Reconciliation built in. Core's ledger is double-entry and append-only; daily reconciliation is a query, not a custom job.
- Multi-rail fallback. A Mono Turbo transfer that does not land on the destination bank automatically retries on ACH — your code does not have to.
- Production observability. Every API call carries a request ID; every state change emits a signed webhook.
When Mono is the right fit
You will get the most value from Mono if you:
- Operate in Colombia (today) or are planning a Colombia launch.
- Need at least one of: bank account on/off-ramp, Bre-B, programmable balances, card issuing.
- Have engineering capacity to integrate an API and operate the resulting product.
- Care about reconciliation and audit trails — not just moving money once but tracking it forever.
Next steps
- Banking — pay-ins and payouts.
- Core — ledger, cards, payouts.
- Bre-B Participant — instant interbank payments.
- Technical Support — talk to us.