Mono MCP Server
Mono Open Banking API tools for account management, payments, and BVN verification.
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Overview
Mono Banking MCP Server provides an interface for interacting with the Mono Open Banking API. It includes twelve specialized tools designed to facilitate banking operations such as account management, payment processing, and Bank Verification Number (BVN) verification within AI assistant environments.
Our verdict
This server carries a high risk level with a security score of 32/100, primarily due to the lack of a read-only mode, which exposes the system to full write access for every installation. It is community-maintained rather than vendor-official and has not undergone editorial review, making it better suited for sandbox testing or development environments rather than handling sensitive financial operations.
- Zero direct dependencies reduce the supply-chain attack surface.
- Built-in HMAC signature verification for webhook security.
- Integrated webhook endpoints for real-time banking event monitoring.
- Released under the MIT license.
- Lacks a read-only mode for restricted API interaction.
- Project has not received a commit in over 320 days.
- Limited bus-factor with only three project contributors.
Tools
| Tool | Description | Risk |
|---|---|---|
| list_linked_accounts | List all linked bank accounts | low |
| get_account_balance | Get current account balance | low |
| get_account_info | Get basic account information | low |
| get_account_details | Get comprehensive account details including BVN | low |
| get_transaction_history | Retrieve transaction records with pagination | low |
| verify_account_name | Verify recipient account details before payments | low |
| initiate_payment | Start a payment via Mono DirectPay | medium |
| verify_payment | Check payment status using reference | low |
| get_nigerian_banks | List all supported Nigerian banks with codes | low |
| lookup_bvn | Perform BVN identity verification | low |
Compatibility
| Client | Local | Docker | Remote | Read-only |
|---|---|---|---|---|
| Claude Desktop | ||||
| Cursor | ||||
| VS Code | ||||
| Windsurf | ||||
| ChatGPT |
Frequently asked questions
›What are the core technical requirements to run this server?
The server requires Python 3.12 or newer and relies on FastMCP version 2.12 or higher for its architecture.
›How does the server handle incoming banking webhooks?
Incoming webhooks are received at the /mono/webhook endpoint, verified using HMAC-SHA256 signatures, and stored in a local SQLAlchemy-managed database.
›Which specific bank events can the server monitor?
The server supports monitoring for account connected, updated, or unlinked events, as well as job completion or failure notifications.
›Does the server provide a way to check its operational status?
Yes, you can monitor the server's availability and health via the /health endpoint.
›Are there specific configuration requirements for using this with Claude Desktop?
You must add the server to your Claude Desktop configuration file using the npx command and the provided FastMCP Cloud URL.
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