tech
January 8, 2026
Flutterwave buys Nigeria's Mono in rare African fintech exit
Africa’s largest fintech company, Flutterwave, has acquired Nigerian open banking startup Mono in an all-stock deal.

TL;DR
- Flutterwave acquired Mono in an all-stock deal valued between $25 million and $40 million.
- Mono provides APIs for businesses to access bank data, initiate payments, and verify customers, often referred to as the 'Plaid for Africa'.
- The acquisition allows Flutterwave to deepen its vertical integration, offering services beyond payments, including onboarding, identity checks, and risk assessment.
- Mono's infrastructure is used by nearly all Nigerian digital lenders and has powered over 8 million bank account linkages.
- The deal is seen as a bet on Africa's next phase of fintech growth, focusing on the importance of integrated payments, data, and trust.
- Mono will continue to operate as an independent product.
- This transaction signals a trend of consolidation in African fintech, with startups integrating into scaled platforms.
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