Credit.

Credit.

Credit.

Build your own credit product with funding, disbursement, and collection connected via API.

Build your own credit product with funding, disbursement, and collection connected via API.

Build your own credit product with funding, disbursement, and collection connected via API.

Building a credit portfolio from scratch means one provider for funding, another for disbursement, another for collection, and manual reconciliation among all three. It is expensive and slow to structure.

Building a credit portfolio from scratch means one provider for funding, another for disbursement, another for collection, and manual reconciliation among all three. It is expensive and slow to structure.

How it works

How it works

We structure the portfolio: conditions, rates, terms.

The loan is originated and disbursed via SPEI or in cash.

Collection is processed via Direct Debit, backed by SPEI and a cash network.

Key benefits

Key benefits

Funding, disbursement, and collection in a single platform.

Disbursement via SPEI or cash, covering both banked and unbanked customers.

Full visibility of the credit lifecycle: origination, payments, delinquency.

How the system decides

How the system decides

Risk analysis does not depend on the credit bureau alone: the system decides based on real transactional behavior data, which allows offering tailored conditions to each portfolio instead of a one-size-fits-all rule.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Where it is used

Where it is used

SOFOMs and portfolio originators, lending fintechs, companies that want to offer embedded credit in their checkout. If you prefer Monato to manage the entire portfolio for you instead of operating it yourself, that version is Credit Infrastructure.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Does your risk depend only on the credit bureau?

Does your risk depend only on the credit bureau?

SOFOMs, portfolio originators, and lending fintechs are already funding, dispersing, and collecting on a single platform, with conditions adjusted by real transactional behavior, rather than a one-size-fits-all rule.

SOFOMs, portfolio originators, and lending fintechs are already funding, dispersing, and collecting on a single platform, with conditions adjusted by real transactional behavior, rather than a one-size-fits-all rule.

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy