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It could be that the soil is too wet, or could have an infection. Apply dolomitic lime and wettable sulfur to the area, and try and let the soil dry out just a little in between waterings if possible.

Here is a collection articles for more information: https://www.gardeningknowhow.com/houseplants/monkey-puzzle/

Remove any suckers that have grown near the base of the tree. This is important for the overall health of the plant; a sucker will take valuable energy away from the healthier and more desirable branches.
Be careful not to damage the soft trunk with your pruning shears.
Shape the tree canopy to a desired form. A monkey tree naturally has a round shape that is easy to maintain with little effort.

https://www.gardeningknowhow.com/houseplants/monkey-puzzle/growing-monkey-puzzle-outdoors.htm

This is one of the main characteristics of the tree, and what made it so popular! They ooze a resin that can be turned into all sorts of things! This is also to protect the tree from harm.

This article will help you to care for these trees: https://www.gardeningknowhow.com/houseplants/monkey-puzzle/growing-monkey-puzzle-outdoors.htm

Once it is established, they can grow 1 or 2 feet per year. This depends on the care that it receives, though.

Here is an article that will help you to care for the tree:

https://www.gardeningknowhow.com/houseplants/monkey-puzzle/monkey-puzzle-indoors.htm

This is a combination of overwatering, and overfeeding. Only water once the top inch of soil is almost completely dry. Soil below that will remain moist if you keep that balance.Feeding is best once a soil test reveals it is necessary, or usually once per month.

From here, you will need a fungicide, correct watering habits, and halt feeding unless necessary.

Here are some articles will help:

https://www.gardeningknowhow.com/garden-how-to/info/using-fungicides-in-garden.htm

https://www.gardeningknowhow.com/garden-how-to/soil-fertilizers/testing-soil.htm

https://www.gardeningknowhow.com/garden-how-to/soil-fertilizers/soil-ph-plants.htm

https://www.gardeningknowhow.com/houseplants/monkey-puzzle/monkey-puzzle-indoors.htm

Unfortunately, your photo did not come through. I cannot address the issue with certainty. I can take an educated guess, though.

If the top 2 or 3 inches of the soil is not completely dry when you water, then I suspect overwatering and infection has taken hold.

You will, likely, need a fungicide. This article will help:

https://www.gardeningknowhow.com/garden-how-to/info/using-fungicides-in-garden.htm

Make sure to test the soil and make sure that it has sufficient time to dry out between waterings. This article will help:

https://www.gardeningknowhow.com/garden-how-to/soil-fertilizers/testing-moisture-in-plants.htm

Here is an article for more information on the care of the tree:

https://www.gardeningknowhow.com/houseplants/pachira-money-tree/growing-money-tree-houseplant.htm