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### Install Mono Connect.js SDK version 2.0.2

Source: https://docs.mono.co/docs/changelog

Use this npm command to install SDK version 2.0.2, which permanently loads the v2 widget.

```bash
npm install @mono.co/connect.js@2.0.2
```

--------------------------------

### Install Mono Connect.js SDK version 0.2.5

Source: https://docs.mono.co/docs/changelog

Use this npm command to install SDK version 0.2.5, which maintains compatibility with both v1 and v2 widgets.

```bash
npm install @mono.co/connect.js@0.2.5
```

--------------------------------

### Install @mono.co/connect.js with NPM or Yarn

Source: https://docs.mono.co/docs/financial-data/sdk

Install the Mono Connect widget package using either NPM or Yarn. Choose one command based on your package manager.

```bash
npm install @mono.co/connect.js
```

```bash
yarn add @mono.co/connect.js
```

--------------------------------

### Start Watchlist Monitoring (POST /v3/lookup/watchlist/monitor)

Source: https://docs.mono.co/docs/lookup/watchlist-screening/integration-guide

Start ongoing monitoring for a previously screened subject by POSTing to /v3/lookup/watchlist/monitor. The response returns a monitoring ID with status "successful". To stop monitoring, send a DELETE request to https://api.withmono.com/v3/lookup/watchlist/monitor/{id}.

```bash
curl --request POST \
  --url https://api.withmono.com/v3/lookup/watchlist/monitor \
  --header 'accept: application/json' \
  --header 'content-type: application/json' \
  --header 'mono-sec-key: YOUR_MONO_SECRET_KEY' \
  --data '{
    "type": "individual",
    "name": "Tariq Bassey",
    "date_of_birth": "1941-08-17",
    "gender": "male",
    "country": "ng"
  }'
```

```json
{
  "status": "successful",
  "message": "Request completed successfully",
  "timestamp": "2026-03-24T10:45:02.273Z",
  "data": {
    "id": "aml_scr_c957dbe8cc42a663abfadc085d2a8f08",
    "status": "successful"
  }
}
```

--------------------------------

### Import Mono Connect widget

Source: https://docs.mono.co/docs/financial-data/sdk

Import the Mono Connect widget into your project after installation.

```javascript
import Connect from '@mono.co/connect.js'
```

--------------------------------

### Mono Income endpoint GET request

Source: https://docs.mono.co/docs/quickstart

Sample curl command to initiate the Mono Income endpoint. Sends a GET request to retrieve a user's income pattern. Requires a valid account ID and mono-sec-key.

```bash
curl --request GET \
    --url https://api.withmono.com/v2/accounts/id/income \
    --header 'Content-Type: application/json' \
    --header 'accept: application/json' \
    --header 'mono-sec-key: string'
```

--------------------------------

### cURL Sample Response

Source: https://docs.mono.co/docs/financial-data/reauth-link

Example JSON response from the initiate reauth request, containing mono_url, customer, account, and other details.

```json
{
    "status": "successful",
    "message": "Request was successfully completed",
    "timestamp": "2024-05-01T09:16:35.817Z",
    "data": {
        "mono_url": "https://link.mono.co/ALTAYGCOV",
        "customer": "66312718b0f47",
        "account": "663127dedfbd0",
        "meta": {
            "ref": "099777"
        },
        "scope": "reauth",
        "institution": "5f5b530a67ffc15e5911e0d2",
        "auth_method": "internet_banking",
        "redirect_url": "https://mono.co",
        "created_at": "2024-05-01T09:16:35.809Z"
    }
}

```

--------------------------------

### Initiate Statement Insights - GET Request

Source: https://docs.mono.co/docs/financial-data/enrichment/statement-insights

Send a GET request to the endpoint to start analyzing transactions for a connected bank account. The account ID is required as a path parameter.

```http
GET https://api.withmono.com/v2/accounts/{id}/statement/insights
```

--------------------------------

### Initiate account linking with curl POST to /v2/accounts/initiate

Source: https://docs.mono.co/docs/quickstart

Use this curl command to create a customer and initiate account linking. Requires a mono-sec-key header and a JSON body with customer details, meta ref, scope, and redirect_url. The response includes a mono_url to redirect the user to the Mono widget.

```bash
curl --request POST \
     --url https://api.withmono.com/v2/accounts/initiate \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'mono-sec-key: string' \
     --data '{
    "customer": {
        "name": "Samuel Olamide",
        "email": "samuel@neem.com"
    },
    "meta": { "ref": "99008877TEST"},
    "scope": "auth",
    "redirect_url": "https://mono.co"
}
'
```

--------------------------------

### Initiate Prove Session with curl and Example Response

Source: https://docs.mono.co/docs/lookup/prove/integration-guide

Initiate a Prove session by POSTing to https://api.withmono.com/v1/prove/initiate with your secret key. The response contains either a mono_url for browser-based flows or a request id for SDK integration. The kyc_level can be tier_1, tier_2, tier_3, or custom; identities is required only when kyc_level is custom and must include at least one of bvn or nin.

```bash
curl --request POST \
     --url https://api.withmono.com/v1/prove/initiate \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'mono-sec-key: <Your Secret Key>' \
     --data '{
    "reference": "testreference123",
    "redirect_url": "https://mono.co",
    "kyc_level": "custom", // or tier_1, tier_2, tier_3
    "identities": ["bvn", "address"], // required only when kyc_level is custom
    "bank_accounts": true,
    "customer": {
        "name": "Adebayo Adeyemi",
        "phone": "08012345678",
        "email": "test@example.com",
        "address": "20, Angel's Place, Eke street off NTA road, Ikeja Lagos",
        "identity": {
            "type": "BVN", // can either be BVN or NIN
            "number": "12345678900"
        }
    }
}'
```

```json
{
    "status": "successful",
    "message": "Request completed successfully",
    "timestamp": "2025-01-10T21:47:35.919Z",
    "data": {
        "id": "reRVZW59A3Q123",
        "customer": "67d18b0770caaed57fe3tb2bw",
        "mono_url": "https://prove.mono.co/reRVZW59A3Q123",
        "reference": "testreference123",
        "redirect_url": "https://mono.co",
        "bank_accounts": true,
        "kyc_level": "custom",
        "identities": ["bvn", "address"],
        "is_blacklisted": false,
        "live_mode": true
    }
}
```

--------------------------------

### Get Institutions - JSON Response

Source: https://docs.mono.co/docs/financial-data/partners-api-guide/sandbox-guide

Example response from the institutions endpoint, showing a successful request with a list of institutions. Includes fields like _id, name, type, icon, primary_color, and auth_methods with expected login form fields.

```json
{
  "status": "successful",
  "message": "Request completed successfully",
  "timestamp": "2025-05-13T09:38:07.908Z",
  "data": [
    {
      "_id": "5f2d08bf60b92e2888287703",
      "name": "Bank",
      "type": "PERSONAL_BANKING",
      "icon": "https://connect.withmono.com/build/img/access-bank.png",
      "identifier": "mono.connections.identifier",
      "nip_code": "000000",
      "country": "ng",
      "primary_color": "#004085",
      "scope": [
        {
          "name": "Financial Data",
          "type": "financial_data"
        }
      ],
      "auth_methods": [
        {
          "type": "internet_banking",
          "ui": {
            "title": "Log in to bank",
            "form": [
              {
                "type": "elements.input",
                "name": "username",
                "hint": "Username",
                "contentType": "string"
              },
              {
                "type": "elements.input",
                "name": "password",
                "hint": "Password",
                "contentType": "password"
              }
            ]
          }
        }
      ]
    }
  ]
}
```

--------------------------------

### Example Webhook Payload

Source: https://docs.mono.co/docs/disburse/integration-guide

Example payload for the event.disbursement.completed webhook. Shows the event type and data including status, amounts, and counts.

```json
{
    "event": "event.disbursement.completed",
    "data": {
        "message": "Disbursement has been successfully completed",
        "reference": "disburse7345923",
        "total_amount": 2000000,
        "total_fee": 3500,
        "status": "failed",
        "transactions_count": 1,
        "processing": {
            "count": 0,
            "amount": 0
        },
        "successful": {
            "count": 0,
            "amount": 0
        },
        "failed": {
            "count": 1,
            "amount": 2000000
        },
        "app": "69989083f7682ba3968b0125",
        "business": "67adaad3d23314578c205d10"
    }
}

```

--------------------------------

### Instantiate Directpay widget with Connect

Source: https://docs.mono.co/docs/payments/sdk-guide

Creates a new Connect instance with the live public key, scope 'payments', and the payment ID from the Initiate Payments API. Calls setup() and open() to launch the widget.

```javascript
const monoWidget = new Connect({
  key: "live_pk_from_your_dashboard",
  scope: "payments",
  data: {
    payment_id: "txreq_HeqMWnpWVvzdpMXiB4I123456"
  }
});

monoWidget.setup();
monoWidget.open()
```

--------------------------------

### Mono Connect Widget Setup with Customer Object

Source: https://docs.mono.co/docs/financial-data/integration-guide

Sets up the Mono Connect widget with a customer object. The `key` must be your Mono application public key. The `data` callback is required and should contain the customer object. When an `id` is provided, the name, email, and identity fields are not required.

```javascript
<script type="application/javascript">
  const customer = {
    id: "65c31fa54e0e963044f014bb", // When provided, the name, email and identity are not required.
    name: "Samuel Olamide", // required
    email: "samuel@neem.com", // required
    identity: {
      type: "bvn",
      number: "2323233239",
    },
  };

  var connect;
  var config = {
    key: "YOUR_APPS_PUBLIC_KEY_HERE"
    data: { customer },
  };
  connect = new Connect(config);
  connect.setup();
</script>
```

--------------------------------

### GET /v2/accounts/{id}/balance

Source: https://docs.mono.co/docs/financial-data/manual-data-sync

Retrieves the real-time balance of a specific account. Use this endpoint after receiving a successful sync webhook to get updated data.

```APIDOC
## GET /v2/accounts/{id}/balance

### Description
Retrieves the real-time balance of a specific account. Use this endpoint after receiving a successful sync webhook to get updated data.

### Method
GET

### Endpoint
https://api.withmono.com/v2/accounts/{id}/balance

### Parameters
#### Path Parameters
- **id** (string) - Required - The unique identifier of the account.

### Response
#### Success Response (200)
- **status** (string) - Status of the request.
- **message** (string) - Response message.
- **timestamp** (string) - Timestamp of the response.
- **data** (object) - Contains account details.
  - **id** (string) - Account ID.
  - **name** (string) - Account holder's name.
  - **account_number** (string) - Account number.
  - **balance** (number) - Current account balance.
  - **currency** (string) - Currency code.

#### Response Example
{
    "status": "successful",
    "message": "Request was successfully completed",
    "timestamp": "2024-07-05T12:20:59.336Z",
    "data": {
        "id": "666b166ce06be73",
        "name": "Samuel  Olamide",
        "account_number": "0200000043",
        "balance": 53769,
        "currency": "NGN"
    }
}
```

--------------------------------

### Initiate account linking with account match verification (curl)

Source: https://docs.mono.co/docs/financial-data/connect-link

Use this curl command to initiate account linking with account match verification. The request includes the customer, institution, and check_account_match fields. The institution.id, auth_method, and account_number are required. Set check_account_match to true to enable verification.

```bash
curl --request POST \
     --url https://api.withmono.com/v2/accounts/initiate \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'mono-sec-key: string' \
     --data '{
    "customer": {
        "name": "Samuel Olamide",
        "email": "samuel@neem.com"
    },
    "meta": {
        "ref": "99008877TEST"
    },
    "institution": {
        "id": "5f2d08bf60b92e2888287704",
        "auth_method": "internet_banking",
        "account_number": "02605538421"
    },
    "check_account_match": true,
    "scope": "auth",
    "redirect_url": "https://mono.co"
}
'
```

--------------------------------

### Statements API Response Example

Source: https://docs.mono.co/docs/financial-data/statements

Example JSON response from the Statements API, showing a successful retrieval of transaction data with fields like id, type, amount, narration, balance, and date.

```json
{
    "status": "successful",
    "message": "Transactions retrieved successfully",
    "timestamp": "2024-05-07T13:23:27.123Z",
    "data": [
            {
                "id": "66321893cd7b216069425e55",
                "type": "debit",
                "amount": 14,
                "narration": "0235416643:WTax.Pd:01-04-2024to 30-04-2024",
                "balance": null,
                "date": "2024-04-30T00:00:00.000Z"
            },
            {
                "id": "66321893cd7b216069425e72",
                "type": "credit",
                "amount": 500000,
                "narration": "NIP:SAMUEL OLAMIDE-Subscription",
                "balance": null,
                "date": "2024-01-07T00:00:00.000Z"
            }
        ],
    "meta": {
        "count": 31
    }
}
```

--------------------------------

### cURL Sample Request for Initiate Income

Source: https://docs.mono.co/docs/financial-data/income

cURL sample request for the Initiate Income endpoint. Requires the `mono-sec-key` header for authentication. Note the URL in the source contains a typo ('htthttps') and should be corrected to 'https' before use.

```bash
curl --request GET \
  --url htthttps://api.withmono.com/v2/accounts/:id/income \
  --header 'mono-sec-key: string' \
  --header 'accept: application/json'
```

--------------------------------

### GET Request for CAC Directors Lookup

Source: https://docs.mono.co/docs/lookup/cac-lookup

Sends a GET request to the CAC directors lookup endpoint. The {id} path parameter is required and must be the ID returned from the business lookup response.

```http
GET https://api.withmono.com/v3/lookup/cac/company/{id}/directors
```

--------------------------------

### Prove SDK widget instantiation with requestId

Source: https://docs.mono.co/docs/lookup/prove/integration-guide

HTML page that loads the Prove SDK and instantiates the widget with a requestId from Step 1. The button triggers window.prove.open() to start verification. Includes onLoad, onEvent, and onSuccess callbacks.

```html
<!DOCTYPE html>
<html lang="en">
  <head>
    <meta charset="UTF-8" />
    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
    <title>Document</title>
  </head>

  <div>
    <button id="cta" onclick="window.prove.open()">Click Me</button>
  </div>

  <body>
    <script src="../index.js" type="module"></script>
    <script type="module">
      import Prove from "../index.js";

      const prove = new Prove({
        requestId: "reRVZW59A3Q00I",
        onLoad: () => console.log("LOADED"),
        onEvent: console.log,
        onSuccess: console.log,
      });

      prove.setup();

      window.prove = prove;
    </script>
  </body>
</html>
```

--------------------------------

### Settlement Webhook Example

Source: https://docs.mono.co/docs/payments/split-payments

Example of the settlement webhook payload for the direct_debit.split_settlement_successful event. It includes fields such as reference, business, app, status, message, date, currency, split_fee, amount_settled, fee_bearer, and account details.

```json
{
  event: "direct_debit.split_settlement_successful",
  data: {
    reference: "po_tr65CqSSomGEv785xQYvJ3P5",
    business: "60cc8f95ba1772018c5c6b1d",
    app: "61e270e2bbe2010771c0dec7",
    status: "settled",
    message: "Successfully settled",
    date: "2024-12-08T23:00:00.000Z",
    currency: "NGN",
    split_fee: 10
    amount_settled: 200,
    fee_bearer: "sub_accounts",
    account: {
      account_name: "Samuel Olamide",
      account_number: "0123456789",
      account_type: "sub_account",
      institution: {
        name: "Access bank",
        code: "044",
        nibss_code: "000014"
      }
    },
  }
}
```

--------------------------------

### cURL Request to Initiate Reauth

Source: https://docs.mono.co/docs/financial-data/reauth-link

Sample cURL command to initiate reauth. Uses mono-sec-key header and includes account, scope, meta.ref, and redirect_url.

```bash
curl --request POST \
  --url https://api.withmono.com/v2/accounts/initiate \
  --header 'Content-Type: application/json' \
  --header 'accept: application/json' \
  --data '{
    "meta": { "ref": "099777"},
    "scope": "reauth",
    "account": "65c4c03aa66a95b572cb5a86",
    "redirect_url": "https://mono.co"
    }'

```

--------------------------------

### GET /v3/lookup/cac/company/{id}/directors

Source: https://docs.mono.co/docs/lookup/cac-lookup

This endpoint allows you to retrieve the list of directors for a business or company using the ID obtained from a business lookup. It requires a GET request with the company ID in the path and a secret key for authentication.

```APIDOC
## GET /v3/lookup/cac/company/{id}/directors

### Description
Lookup the directors of a business or company using the ID returned from the business lookup response.

### Method
GET

### Endpoint
https://api.withmono.com/v3/lookup/cac/company/{id}/directors

### Parameters
#### Path Parameters
- **id** (string) - Required - The ID returned from the business lookup response.

### Request Example
```
curl -X GET \
  -H "mono-sec-key: YOUR_MONO_SECRET_KEY" \
  "https://api.withmono.com/v3/lookup/cac/company/{id}/directors"
```

### Response
#### Success Response (200)
- **status** (string) - Status of the request.
- **message** (string) - Message describing the result.
- **timestamp** (string) - Timestamp of the response.
- **data** (array) - Array of director objects.

#### Response Example
```
{
    "status": "successful",
    "message": "CAC lookup successful",
    "timestamp": "2024-02-14T13:42:07.629Z",
    "data": [
        {
            "id": 6706910,
            "surname": "SAMUEL",
            "firstname": "OLAMIDE",
            "other_name": "NOMO",
            "email": "",
            "business_email": "samuel@neem.com",
            "phone_number": "01234567890",
            "gender": "MALE",
            "former_nationality": "",
            "age": 56,
            "city": "",
            "occupation": "",
            "former_name": "",
            "corporation_name": "",
            "rc_number": "",
            "corporation_company": null,
            "state": "LAGOS",
            "pobox": null,
            "accreditationnumber": "",
            "is_lawyer": null,
            "last_visit": 0,
            "form_type": "International Passport",
            "is_presenter": null,
            "is_chairman": null,
            "num_shares_alloted": 1,
            "type_of_shares": "ORDINARY",
            "date_of_birth": "1995-05-05T23:00:00.000+00:00",
            "status": "ACTIVE",
            "date_of_termination": null,
            "date_of_appointment": null,
            "date_of_change_of_address": null,
            "former_address": null,
            "former_postal": null,
            "former_surname": "",
            "former_first_name": "",
            "former_other_name": "",
            "date_of_status_change": null,
            "identity_number": "A0345456618",
            "identity_issue_state": null,
            "other_directorship_details": "",
            "portal_user_fk": null,
            "affiliates_fk": null,
            "process_type_fk": {
                "id": 6564,
                "name": "COMPANY_REGISTRATION",
                "description": "Company Registration",
                "amount": 1,
                "type": null,
                "product_id": "511111119",
                "bank_code": "25670"
            },
            "company": null,
            "same_person_as_fk": null,
            "nature_of_app_or_discharge": null,
            "is_designated": null,
            "end_of_appointment": null,
            "appointed_by": null,
            "date_of_deed_of_discharge": null,
            "date_of_resolution": null,
            "country_fk": {
                "id": 1,
                "name": "NIGERIA",
                "code": "NIGERIA"
            },
            "country_of_residence": null,
            "is_carried_over_from_name_avai": null,
            "lga": null,
            "corporation_registration_date": null,
            "is_company_deleted": null,
            "government_organisation_name": null,
            "foreign_organisation_name": null,
            "company_street_address": null,
            "company_state": null,
            "company_city": null,
            "is_corporate": null,
            "county_of_incorporation_fk": null,
            "nationality": null,
            "address": "40, BUHARI CRESCENT GRA",
            "business_address": "25, ADEMOLA BUHARI CRESCENT, WUSE 2, ABUJA, FCT, NIGERIA",
            "postcode": "",
            "street_number": "",
            "affiliates_residential_address": null,
            "affiliates_psc_information": 67364910,
            "legal_owners_of_interests": [],
            "legal_owners_of_voting_rights": [],
            "stock_exchange_soes": [],
            "approved_for_notice_of_psc": null,
            "company_address2": "",
            "full_address2": "39, KOLA AMODU CRESCENT MAGODA GRA, LAGOS",
            "affiliate_type_fk": {
                "id": 7516,
                "name": "SHAREHOLDER",
                "description": "SHAREHOLDER"
            }
        }
    ]
}
```
```

--------------------------------

### cURL request to initiate account linking

Source: https://docs.mono.co/docs/financial-data/connect-link

Sample cURL command to send a POST request to the initiate endpoint. Includes the required headers and JSON body with customer, meta, scope, and redirect_url.

```bash
curl --request POST \
     --url https://api.withmono.com/v2/accounts/initiate \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'mono-sec-key: string' \
     --data '{
    "customer": {
        "name": "Samuel Olamide",
        "email": "samuel@neem.com"
    },
    "meta": { "ref": "99008877TEST"},
    "scope": "auth",
    "redirect_url": "https://mono.co"
}
'

```

--------------------------------

### Response object from initiate endpoint

Source: https://docs.mono.co/docs/quickstart

Example JSON response from the initiate endpoint. Contains mono_url for redirecting to the Mono widget, customer ID, meta ref, scope, redirect_url, and created_at timestamp.

```json
{
    "status": "successful",
    "message": "Request was successfully completed",
    "timestamp": "2024-03-18T11:51:41.624Z",
    "data": {
        "mono_url": "https://link.mono.co/ALGSTO222222WE",
        "customer": "65f82acd00000003aa9028d",
        "meta": {
            "ref": "99008877TEST"
        },
        "scope": "auth",
        "redirect_url": "https://mono.co",
        "created_at": "2024-03-18T11:51:41.605Z"
    }
}
```

--------------------------------

### POST /v2/accounts/initiate

Source: https://docs.mono.co/docs/financial-data/connect-link

Initiates account linking by generating a URL to send to users. Requires customer information, scope, and redirect URL, authenticated with the mono-sec-key header.

```APIDOC
## POST /v2/accounts/initiate

### Description
Initiates account linking by generating a URL to send to users. Requires customer information, scope, and redirect URL, authenticated with the mono-sec-key header.

### Method
POST

### Endpoint
https://api.withmono.com/v2/accounts/initiate

### Parameters
#### Request Body
- **customer** (object) - Required - User's customer information (name and email)
- **customer.name** (string) - Required - User's name
- **customer.email** (string) - Required - User's email
- **scope** (string) - Required - Specify the scope as "auth"
- **meta** (object) - Optional - Meta object expecting a "ref" key
- **meta.ref** (string) - Optional - Unique reference to tie the account linked via generated URL
- **redirect_url** (string) - Required - Valid URL for successful account linking redirection

#### Request Headers
- **mono-sec-key** (string) - Required - Your Mono secret key

### Request Example
```json
{
    "customer": {
        "name": "Samuel Olamide",
        "email": "samuel@neem.com"
    },
    "meta": { "ref": "99008877TEST"},
    "scope": "auth",
    "redirect_url": "https://mono.co"
}
```

### Response
#### Success Response (200)
- **status** (string) - Status of the request (e.g., "successful")
- **message** (string) - Response message
- **timestamp** (string) - Timestamp of the response
- **data** (object) - Response data
- **data.mono_url** (string) - URL for account linking
- **data.customer** (string) - Customer ID
- **data.meta** (object) - Meta object with ref
- **data.scope** (string) - Scope of the request
- **data.redirect_url** (string) - Redirect URL
- **data.created_at** (string) - Creation timestamp

#### Response Example
```json
{
    "status": "successful",
    "message": "Request was successfully completed",
    "timestamp": "2024-03-18T11:51:41.624Z",
    "data": {
        "mono_url": "https://link.mono.co/ALGSTO222222WE",
        "customer": "65f82acd00000003aa9028d",
        "meta": {
            "ref": "99008877TEST"
        },
        "scope": "auth",
        "redirect_url": "https://mono.co",
        "created_at": "2024-03-18T11:51:41.605Z"
    }
}
```
```

--------------------------------

### GET /owo/v1/users/status

Source: https://docs.mono.co/docs/whatsapp-payment/integration-guide

Check if a user has an Owo account and its status.

```APIDOC
## GET /owo/v1/users/status

### Description
Check if a user has an Owo account and its status.

### Method
GET

### Endpoint
https://api.withmono.com/owo/v1/users/status

### Parameters
#### Query Parameters
- **phone** (string) - Required - The user's phone number in E.164 format, without the leading + (e.g. 23480...).

#### Request Headers
- **mono-sec-key** (string) - Required - Your Owo secret API key.

### Request Example
```
curl --request GET \
     --url https://api.withmono.com/owo/v1/users/status?phone=2348012345678 \
     --header 'accept: application/json' \
     --header 'mono-sec-key: your_secret_key'
```

### Response
#### Success Response (200)
- **status** (string) - The status of the request.
- **message** (string) - A message describing the result.
- **timestamp** (string) - The timestamp of the response.
- **data.exists** (boolean) - Whether the user exists.
- **data.status** (string) - The user's status: `active`, `pending_activation`, or `not_found`.

#### Response Example
```
{
  "status": "successful",
  "message": "User is active and ready to perform transactions.",
  "timestamp": "2025-08-15T14:10:00.465Z",
  "data": {
    "exists": true,
    "status": "active"
  }
}
```
```

--------------------------------

### GET /v3/institutions

Source: https://docs.mono.co/docs/financial-data/partners-api-guide/integration-guide

Retrieves the list of institutions that can be connected to, with optional filters.

```APIDOC
## GET /v3/institutions

### Description
Returns a list of financial institutions that you can connect to. You can filter by scope (e.g., `financial_data`), bank code, or authentication method. The response includes institution details such as ID, icon, primary color, and expected credentials for each auth method.

### Method
GET

### Endpoint
`/v3/institutions`

### Parameters
#### Query Parameters
- **scope** (string) - Required - The scope of institutions to retrieve. For this guide, use `financial_data`.
- **bank_code** (string) - Optional - Filter institutions by bank code.
- **auth_method** (string) - Optional - Filter institutions by authentication method.

### Request Example
```
curl -X GET "https://api.withmono.com/v3/institutions?scope=financial_data" \
  -H "mono-sec-key: <your_secret_key>"
```

### Response
#### Success Response (200)
- **status** (string) - Status of the request, e.g., "successful".
- **message** (string) - Message describing the result.
- **timestamp** (string) - Timestamp of the response.
- **data** (array of objects) - List of institutions. Each object contains:
  - `_id` (string) - Institution ID.
  - `name` (string) - Institution name.
  - `type` (string) - Type of institution (e.g., "PERSONAL_BANKING").
  - `icon` (string) - URL to the institution's icon.
  - `identifier` (string) - Identifier for the institution.
  - `nip_code` (string) - NIP code.
  - `country` (string) - Country code (e.g., "ng").
  - `primary_color` (string) - Primary color in hex format.
  - `scope` (array of objects) - Scopes available for the institution. Each object contains `name` and `type`.
  - `auth_methods` (array of objects) - Supported authentication methods. Each object contains `type` and `ui` details, including form fields.

#### Response Example
```
{
  "status": "successful",
  "message": "Request completed successfully",
  "timestamp": "2025-05-13T09:38:07.908Z",
  "data": [
    {
      "_id": "5f2d08bf60b92e2888287703",
      "name": "Bank",
      "type": "PERSONAL_BANKING",
      "icon": "https://connect.withmono.com/build/img/access-bank.png",
      "identifier": "mono.connections.identifier",
      "nip_code": "000000",
      "country": "ng",
      "primary_color": "#004085",
      "scope": [
        {
          "name": "Financial Data",
          "type": "financial_data"
        }
      ],
      "auth_methods": [
        {
          "type": "internet_banking",
          "ui": {
            "title": "Log in to bank",
            "form": [
              {
                "type": "elements.input",
                "name": "username",
                "hint": "Username",
                "contentType": "string"
              },
              {
                "type": "elements.input",
                "name": "password",
                "hint": "Password",
                "contentType": "password"
              }
            ]
          }
        }
      ]
    }
  ]
}
```

```
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