Mono provides financial infrastructure that lets Colombian companies integrate payments, Bre-B instant transfers, white-label digital wallets, and branded Visa cards through a single API. The platform handles disbursements, collections, and real-time reconciliation, enabling businesses to launch or modernize payment operations in weeks without building banking technology from scratch. It has processed over $2 billion USD across more than 6 million transactions for over 200 companies.
Funding
Funding not disclosed
Founders
Product
Problem
Companies that move money recurrently and at scale often face fragmented payment systems, requiring separate integrations and contracts with each bank or processor. This creates operational complexity, delays, and limited control over branding, rules, and reconciliation, preventing businesses from modernizing their financial operations quickly.
Solution
Mono offers a unified financial infrastructure platform that consolidates payments, Bre-B instant transfers, white-label digital wallets, and branded Visa cards into a single integration. Businesses can disburse funds in batches, collect payments via PSE or Bre-B QR codes, and issue physical or virtual cards with their own branding and custom rules. Mono operates as an indirect Bre-B participant, giving clients control over their own keys without building the underlying connection. The platform provides real-time transaction visibility, automated reconciliation, and compliance support, allowing companies to launch tailored payment solutions in weeks rather than quarters.
Target Audience
Primary customers are Colombian companies that move money recurrently and at scale, including marketplaces, logistics firms, fintechs, and enterprises seeking to modernize payment operations without building banking infrastructure from scratch.
Features
- Single API integration covering disbursements, collections, wallets, and card issuance
- Bre-B indirect participation with support for dynamic QR codes and payment keys, available 24/7
- White-label digital wallets and Visa cards with client branding, custom limits, and real-time authorization controls
- Real-time reconciliation with every transaction identified and categorized for accounting
- Batch disbursement capabilities for payroll, suppliers, or drivers
- Compliance, security, and operational support backed by YC, Visa, and Tiger Global