The Ligue 1 side will then have the option to make the deal permanent in the summer. If triggered, the Black Cats would recoup the £21m fee they paid for Adingra when he signed in the summer.
Sunderland will pocket a seven-figure loan fee in the deal, which is expected to be sanctioned once Adil Aouchiche is recalled from Aberdeen and completes his permanent switch to Schalke, which will free up an international loan spot.
Adingra only joined Sunderland in the summer but has made just nine Premier League starts and is well down the pecking order, even though boss Regis Le Bris last week admitted he lacks depth and experience on the flanks.
RECOMMENDED READING:
Sunderland had high hopes for Adingra when he joined but the 24-year-old has had a slow start to life on Wearside.
And opportunities would be hard to come by in the second half of the season.
Bertrand Traore is first choice right winger and now Habib Diarra is back fit, there's every chance Enzo Le Fee will play most of his football on the left in the second half of the season, particularly when Granit Xhaka is available again.
Romaine Mundle is fit again now and ahead of Adingra in the pecking order, as is Chemsdine Talbi and Trai Hume, who has played on the right side of the attack in recent weeks. Eliezer Mayenda has also been used out wide this season, as has Chris Rigg. Jocelin Ta Bi has also arrived this month.
Sunderland hope Adingra will go and benefit from some regular football in the second half of the season and that he then either makes the switch permanent in a deal that suits all parties or returns to Wearside ready to kick-on having featured prominently in France.
There's also an awareness that Adingra's value would diminish in the second half of the season if he stayed and was a fringe figure at Sunderland.
Monaco are currently 10th in Ligue 1 and have qualified for the knock-out stages of the Champions League. They face defending champions PSG in the round of 32.
On the subject of Sunderland wingers, Patrick Roberts is expected to make his loan move to Birmingham permanent today.
Roberts has established himself as a regular for Chris Davies' side in the Championship.