OAuth2 You may only connect to your own account or those of a small set of users you explicitly whitelist

You may only connect to your own account or those of a small set of users you explicitly whitelist.

This statement is a little ambiguous, how many accounts can I have explicitly whitelisted?

Could I make an app that allows people to sign up to my service?

I don’t believe the API is suitable for publishing apps at this point, so I would take “small set of users” to mean a private beta test.

No. The section you took that text from is headed: “ The Monzo Developer API is not suitable for building public applications.

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