How It Works

From bank connection to credit report, in under a minute.

1. 1. Create an account

   Sign up with your name, email, and phone number in under a minute.

2. 2. Connect your bank

   Securely link your bank account through Mono's Open Banking infrastructure. We never see or store your banking password.

3. 3. We analyze your transactions

   Six months of transaction history is processed by our scoring engine to assess income stability, spending patterns, and repayment behavior.

4. 4. Receive your score

   Get an instant credit score, status, and estimated credit limit — with an option to download a full report.