Mono‑MCP: Monobank Integration for AI Assistants

Mono‑MCP is a dedicated Model Context Protocol (MCP) server that bridges the Monobank API with AI assistants such as Claude. By exposing a lightweight set of tools, it allows conversational agents to retrieve and format bank statements directly from a user’s Monobank account. This eliminates the need for manual API calls or custom scripting, enabling developers to embed real‑time financial data into chat workflows with minimal effort.

Problem Solved

Many AI assistants cannot access external services on their own, limiting their usefulness for data‑driven tasks. For users who rely on Monobank for personal or business finances, manually pulling statements into a conversation can be tedious and error‑prone. Mono‑MCP solves this by providing an authenticated, secure endpoint that the assistant can call to fetch up-to‑date transaction data. Developers no longer need to write bespoke integration code; they simply add a single tool to the assistant’s repertoire.

Core Functionality

• Statement Retrieval: The server exposes a tool that accepts start and end dates, queries the Monobank API, and returns a structured list of transactions.
• Data Formatting: Transactions are returned in an easy‑to‑read format, with fields such as date, amount, merchant name, and category.
• MCP Compatibility: The server implements the MCP specification, ensuring that any compliant AI assistant can discover and invoke its tools without custom adapters.

These capabilities are packaged behind a simple HTTP interface, making it straightforward to deploy in cloud or on‑premise environments. Because the server handles authentication internally, developers only need to supply their Monobank API key in a file.

Use Cases

• Personal Finance Management: A conversational agent can pull recent expenses, summarize spending by category, or alert users to unusually large transactions.
• Business Accounting: Small businesses can query monthly statements and feed the data into bookkeeping tools or financial dashboards via the assistant.
• Financial Coaching: AI tutors can analyze a user’s spending habits in real time, providing tailored advice within the chat interface.
• Compliance Monitoring: Organizations can use the tool to automatically pull transaction logs for audit purposes, integrating with compliance workflows.

Integration Flow

1. Deployment: Host the Mono‑MCP server behind a secure HTTPS endpoint.
2. Assistant Configuration: Add the server’s MCP URL to the AI assistant’s tool registry.
3. Invocation: Within a conversation, the assistant calls with user‑provided dates.
4. Response Handling: The assistant parses the returned JSON and presents the data in a natural‑language summary or visual chart.

Because MCP standardizes the request/response contract, developers can swap out underlying services (e.g., switch from Monobank to another bank) with minimal changes to the assistant logic.

Unique Advantages

• Zero‑Code Integration: Developers add a single tool to their assistant; no custom API wrappers are required.
• Secure Credential Management: The server stores the Monobank API key locally, never exposing it to the assistant or end users.
• Extensibility: The MCP framework allows future expansion—additional tools for balance checks, card management, or payment initiation can be added without redesigning the assistant.
• Open‑Source Simplicity: Built with Bun and TypeScript, the codebase is lightweight and easy to maintain, encouraging community contributions.

Mono‑MCP thus empowers AI assistants with real‑time banking insight, streamlining financial workflows and enhancing user experience across a range of personal and professional contexts.