Cuentamono

Mono (operating at cuentamono.com, corporate entity Mono Colombia S.A.S.) is a Bogotá-based fintech that provides financial infrastructure for businesses in Colombia through a single integration. Its current product set spans payins and payouts (collections and mass disbursements with real-time reconciliation and batch dispersion to drivers, suppliers, or payroll), Bre-B instant payments for businesses, white-label digital wallets, and branded Visa cards issued in physical, virtual, or tokenized form with per-card, per-user, and per-category limits and real-time authorization.

The company began as a digital banking product for small and medium enterprises and entrepreneurs. According to its own blog, the idea originated in 2020 and the first product — a virtual card for online payments — launched in January 2022, followed by individual and bulk transfers, physical cards, collection links, multiple users, multiple accounts, multiple cards, inbound international funds, notifications, and spending limits. In April 2023 the company described a shift toward exposing these capabilities via APIs ("APIficar Mono"), targeting mass-dispersion companies, lending fintechs, factoring firms, and cash-on-delivery logistics operators, and stated at that time it had not created a bank.

Mono positions itself as an indirect participant in Bre-B, allowing clients to operate their own keys through Mono, with dynamic QR and key-based collection. The company's site states it is backed by Y Combinator, Visa and Tiger Global and describes itself as allied with the SFC.