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Via Mono Format

Via Mono Format

Owned by Philip Awopetu
Last updated: Apr 08, 2025
2 min read

Endpoint: https://api.indicina.co/api/v3/client/bsp

Method: POST

Authentication:Bearer <Token>

Content Type:Application/json

Sample Request Body:

{ "customer": { "id": "Sample_Test_Mono", "email": "johndoe@company.com", "lastName": "Doe", "firstName": "John", "phone": "8101010110" }, "bankStatement": { "type": "mono", "content": { "paging": { "total": 190, "page": 2, "previous": "https://api.withmono.com/accounts/:id/transactions?page=2", "next": "https://api.withmono.com/accounts/:id/transactions?page=3" }, "data":[ { "_id":"61d38401540f62448a67b18f", "date":"2022-01-01T00:00:00.000Z", "type":"debit", "amount":5000, "balance":7441442, "currency":"NGN", "narration":"FGN STAMP DUTY/S10761279 ON 31-DEC-21 FOR ACCOUNT" }, { "_id":"61d38401540f62448a67b190", "date":"2022-01-01T00:00:00.000Z", "type":"debit", "amount":5000, "balance":7446442, "currency":"NGN", "narration":"FGN STAMP DUTY/S10754935 ON 31-DEC-21 FOR ACCOUNT" }, ], "meta":{ "count":186 } } } }

 

Sample Response:

{ "data": { "country": "Nigeria", "currency": "NGN", "behaviouralAnalysis": { "accountSweep": "Yes", "gamblingRate": 0, "inflowOutflowRate": "Negative Cash Flow", "loanAmount": 0, "loanInflowRate": 0, "loanRepaymentInflowRate": 0, "loanRepayments": 0, "lateLoanRepayments": 0, "returnedCheque": 0, "cardRequests": 0, "topIncomingTransferAccount": "no top incoming transfer account found", "topTransferRecipientAccount": "no top recipient account found", "selfTransferActivity": 0 }, "cashFlowAnalysis": { "accountActivity": 0, "averageBalance": 74439.42, "creditCount": 0, "debitCount": 2, "averageCredits": 0, "averageDebits": 50, "openingBalance": 74464.42, "closingBalance": 74464.42, "firstDay": "2022-01-01", "lastDay": "2022-01-01", "monthPeriod": "January - January", "netAverageMonthlyEarnings": -100, "noOfTransactingMonths": 1, "totalCreditTurnover": 0, "totalDebitTurnover": 100, "harmonicMeanCR": 0, "harmonicMeanDR": 50, "yearInStatement": "2022", "maxEmiEligibility": 0, "affordability": 0, "emiConfidenceScore": 1, "totalMonthlyCredit": null, "totalMonthlyDebit": [ { "month": "2022-01", "amount": 100 } ], "averageMonthlyCredit": null, "averageMonthlyDebit": [ { "month": "2022-01", "amount": 50 } ] }, "incomeAnalysis": { "salaryEarner": "No", "pensioner": "No", "averagePension": 0, "medianIncome": 0, "averageOtherIncome": 0, "expectedSalaryDay": 0, "lastSalaryDate": null, "averageSalary": 0, "dsr": 0.99, "confidenceIntervalonSalaryDetection": 0.01, "salaryFrequency": null, "numberSalaryPayments": 0, "salaryRecency": null, "numberSalaryInLast3Months": 0, "numberSalaryInLast4Months": 0, "numberOtherIncomePayments": 0, "gigWorker": "No", "microSME": "No" }, "spendAnalysis": { "averageRecurringExpense": 0, "hasRecurringExpense": "No", "averageMonthlyExpenses": 100, "expenseChannels": [ { "key": "atmSpend", "value": 0 }, { "key": "webSpend", "value": 0 }, { "key": "posSpend", "value": 0 }, { "key": "ussdTransactions", "value": 0 }, { "key": "mobileSpend", "value": 0 }, { "key": "spendOnTransfers", "value": 0 }, { "key": "internationalTransactionsSpend", "value": 0 } ], "expenseCategories": [ { "key": "bills", "value": 0 }, { "key": "entertainment", "value": 0 }, { "key": "savingsAndInvestments", "value": 0 }, { "key": "gambling", "value": 0 }, { "key": "airtime", "value": 0 }, { "key": "bankCharges", "value": 100 }, { "key": "chequeWithdrawal", "value": 0 }, { "key": "cashWithdrawal", "value": 0 }, { "key": "shopping", "value": 0 }, { "key": "eatingOut", "value": 0 } ] }, "transactionPatternAnalysis": { "MAWWZeroBalanceInAccount": { "month": null, "week_of_month": 0 }, "NODWBalanceLess": { "amount": 5000 }, "highestMAWOCredit": { "month": "", "week_of_month": 0 }, "highestMAWODebit": { "month": "January", "week_of_month": 1 }, "lastDateOfCredit": null, "lastDateOfDebit": "2022-01-01", "mostFrequentBalanceRange": "10000-100000", "mostFrequentTransactionRange": "<10000", "recurringExpense": [ { "amount": 0, "description": "null" } ], "transactionsBetween100000And500000": 0, "transactionsBetween10000And100000": 0, "transactionsGreater500000": 0, "transactionsLess10000": 2, "transactionRanges": [ { "min": 10000, "max": 100000, "count": 0 }, { "min": 100000, "max": 500000, "count": 0 }, { "min": null, "max": 10000, "count": 2 }, { "min": 500000, "max": null, "count": 0 } ] }, "statementAccuracy": { "checks": { "balanceAccuracy": false, "airtimeOutlier": false, "transactionFeeOutlier": false } }, "breakdowns": [ { "name": "salary", "values": [] }, { "name": "otherIncome", "values": [] }, { "name": "individualSalary", "values": [] }, { "name": "loan", "values": [] }, { "name": "loanRepayment", "values": [] } ], "id": "a200b587-a190-4489-a726-52eca7483cde", "reference": "IND-20250409-16484823-X3V7", "scorecardResults": [] }, "status": "success" }

 

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