The Real-time data feature allows you to retrieve real-time financial data from your customer's linked account. We fetch data from the bank/financial institution if persistence access is available; otherwise, re-authorization is requested from the user.
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We built this feature to fully transition to real-time data sync for a simpler developer experience and retire the legacy data synchronization feature.

How does this work?
Partners can activate real-time data by simply adding x-realtime in their API header for the account, transactions, and statement endpoints. If persistence access is available, we'll retrieve new data without the user having to log in again.

If not, partners will be notified to request user re-authorization via the re-authentication endpoint.
To learn more about how this feature works, you can read our API documentation.

How can you access this feature?
This feature is available to all partners using Mono Connect.

Pricing:
Each real-time API call costs 10N, or approximately 0.013 USD.

Supported Banks:
Retail banks without 2FA enabled support persistence access. Other financial connections with 2FA enabled may require re-authorization.

You can refer to this document to view the list of banks that have Multi-Factor Authentication (MFA) enabled.

FAQs
​Does this feature support business accounts?
No, it is currently not supported via the Connect API.

Will the dashboard be updated with the data?
The Mono dashboard will be updated to reflect real-time data for partners.

When will the legacy data sync be sunset?
This is scheduled for Q2, 2024.
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