Your finances,
read like a ledger.
Link a bank account, get a financial health score benchmarked against your cohortⓘ, and run PAYE, Direct Assessment, VAT, WHT, and levy calculations — all in one statement.
Financial Intelligence
Link a bank account and get a 0–100 financial health score — savings rate, income stability, and spend patterns — benchmarked against a real cohort, not a generic average.
Tax Intelligence
PAYE, Direct Assessment, VAT, WHT, and Sales/Tourism Levy — calculated against current Nigerian rates, logged for your records, ready for individuals and SMEs alike.
Net Worth Forecasting Intelligence Coming soon
Project how your net worth grows over time from your real income, savings, and debt trends — see the path you're on before you commit to a plan.
Institutional Portal
Reset your password
Enter your email — works for individual and institutional accounts alike.
Set a new password
Choose a new password for your account.
Connect a Mono sandbox account to pull real (test) transaction data.
Or link all your accounts at once via BVN — Mono looks up every bank account registered to your Bank Verification Number, across institutions. Experimental — access pending confirmation from Mono
Clear accounts data
Permanently deletes every linked account, its transactions, and any BVN lookup results. This cannot be undone.
Data sources
Do you want the report generated?
Each report carries your verified Trust Scoreⓘ, formatted for the specific use case below. Generated as a PDF you can save or print, valid for 60 days.
For proving what you earn — loan applications, apartment applications, anywhere you need to show real income.
For confirming your income is regular and ongoing — useful for HR/onboarding checks.
For landlords — shows whether you can comfortably afford a specific rent.
For lenders — shows your debt load and repayment capacity alongside your score.
A standardized format for embassy/consulate financial requirements.
Income by source
Expenses by cost center
Clear Financial Intelligence data
Permanently deletes your Trust Score history and generated reports. This cannot be undone.
Not sure which one applies to you?
Clear tax data
Permanently deletes every saved tax computation (PAYE, Direct Assessment, VAT, WHT, Levy). This cannot be undone.
Choose which institutions can see your computed scores and breakdown — never your raw bank transactions, only the numbers our engine produces from them. You can revoke access at any time.
Currently shared with
Activity log — who's viewed your data
Every time an institution you've shared with views your profile, it's recorded here.
Clear consent data
Permanently revokes every institution's access to your scores — nothing will remain shared. This cannot be undone.
Register your institution so applicants can find and share their profile with you.
Assess a walk-in applicant now
Generate a code for someone sitting with you right now — they sign up (or log in), link their own bank account, and you're instantly connected — no browsing a directory needed.
Recent invites
Applicants who have consented to share their computed scores with you.
Clear my data
Permanently deletes every invite, applicant connection, loan/tenancy decision, and access log record for your institution. This cannot be undone. Your institution profile itself stays intact — you can generate new invites and connect with applicants again right after.
- Create an account — individual or institutional, either can test the same pipeline.
- Link a bank via Mono's sandbox — no real bank credentials touch this, use Mono Test Bank + OTP 123456.
- Read your ledger — a financial health score and cohort benchmark computed from synced transactions.
- Run the numbers — PAYE, Direct Assessment, VAT, WHT, and levy calculators, each logged for your records.