# Overview

Fincore is the API layer Monato provides for payment operations in Mexico. It connects your systems with SPEI and Monato internal rails through a single integration model.

## What you can build

| Capability | Use it for |
|  --- | --- |
| Money In | Receive SPEI deposits into your Monato accounts and get webhook notifications. |
| Money Out | Send money to CLABE accounts or debit cards. |
| Internal transfers | Move money book-to-book between Monato instruments without SPEI. New integrations should use Money Out; routing is automatic. |
| Penny Validation | Send $0.01 MXN and receive CEP ownership data through webhooks. |
| Private accounts | Assign dedicated CLABEs to customers, products, or collection flows. |
| Business Units | Model sub-accounts as independent legal entities with their own RFC and CLABE. |
| Reports | Download generated transaction reports and account statements. |


## Recommended integration order

1. Create an API token.
2. Retrieve your Centralizing Account.
3. Register webhooks for `MONEY_IN`, `STATUS_UPDATE`, `CEP`, and `REPORT` as needed.
4. Register destination instruments.
5. Send Money Out with an idempotency key and validate the status webhook.
6. Receive and test Money In with a real or controlled inbound SPEI flow.
7. Reconcile both Money Out and Money In from webhooks and reports.


Money Out and Money In are the two critical payment flows to validate before
going live. Money In is inbound and may not be initiated by your system, but your
integration must still persist, classify, accept or reject, and reconcile the
event reliably.

For the full step-by-step route, start with [Integration Path](/products/fincore/guides/integration-path).

## Request and response conventions

| Convention | Detail |
|  --- | --- |
| Request casing | Request bodies use `snake_case`. |
| Response casing | Most responses use `camelCase`. |
| IDs | UUID strings. |
| Amounts | Strings with two decimals, for example `"5000.00"`. |
| Currency | `MXN`. |
| Dates | All timestamps are Mexico City local time (UTC-6). Most carry an explicit `-06:00` offset; a few omit it, but the timezone is the same. See [Timestamps and timezone](/products/fincore/guides/concepts#timestamps-and-timezone). |


## Environments

The current public reference uses the staging base URL:

```text
https://apicore.stg.finch.lat
```

Production credentials and base URL are provided during onboarding.

## API contracts

Each product guide includes the relevant API contracts with endpoint, cURL
sample, response example, and endpoint-specific errors. Start from
[Integration Path](/products/fincore/guides/integration-path) and follow the links in each phase.