So great to hear the news Monzo will be arriving in the US - I missed using my UK monzo card when I moved over here.
One feature request which would suit the antiquated banking system here would be to add the amount of tip you’ve left at a restaurant/ bar directly into the instant notification as SO many purchases require leaving written paper tips on physical receipts.
If you could force-touch the instant notification and add in the extra dollars you’ve written on the physical receipt, it would help with budgeting so much as it can be taken into your monzo account activity immediately rather than when processed by the business a few days later.
Equally it would help identify discrepancies if the business runs through a greater tip than what you actually wrote - the Monzo app could then flag the discrepancy between what you actually left on the paper receipt, and what they charged you (could also add in photo feature for the receipts to manage evidence).
That would save me so much hassle and enhance budgeting in the US which is tough when so much money has already been spent but just floating around on paper days after you made a purchase