Monolithic Ceramic vs. Multi-layer Ceramic?

for electronic scrap and precious metal recovery MLCC (monolithic) i believe generally refers to the palladium capacitors that may also contain trace nickel and/or silver in the sodder depending on the year it was produced. Tantalum caps are generally just called Tantalum caps or Ta Caps. If im not mistaken, tantalum capacitors do not have a ceramic layer but an epoxy like coat. Anyone can correct me if they necessary as this is a tricky subject.