Sell crypto Coins Why Monica FAQ Get the app
The Crypto-to-Naira App · Lagos · NigeriaiOS · ANDROID

Crypto to naira, in 60 seconds.

Monica is Nigeria's fastest crypto-to-naira off-ramp. Send BTC, USDT, ETH, SOL, TRX, BNB or USDC to your Monica address and get naira in your bank in under 60 seconds — 0% fees, no P2P, no scams. Trusted by 500,000+ Nigerians.

Download on theApp Store Get it onGoogle Play
★★★★★ 4.7 rating 500K+ downloads
Follow the route
01
Sell crypto

Turn crypto into naira before your tea gets cold.

Send Bitcoin, USDT or any supported coin to your permanent Monica address. Naira credits at the live rate and clears to your bank over NIBSS in seconds.

0% fees40+ banksSub-60s payout
Monica app wallet showing naira balance, transfer, trade and transaction history
02
Pay bills

Every bill in Nigeria, paid in seconds.

Airtime, mobile data, DStv and GOtv, electricity, betting wallets and gift cards — straight from your Monica balance, no extra app needed.

MTN · Airtel · GloEvery DisCoGift cards
Monica app bill payment screen — airtime, data, TV, electricity, betting
03
Dollar card

Spend worldwide with a virtual dollar card.

Create a USD Visa card funded straight from crypto or naira. Pay Netflix, Spotify, ads and any global merchant — freeze and manage it in a tap.

Virtual USD VisaFunded from cryptoGlobal merchants
Monica app virtual dollar card screen
04
Send & receive

Transfers that just land.

Send naira to any Nigerian bank or to another Monica user instantly. Every transfer confirmed on screen — sent, done, no guessing.

Any bank, instantFree Monica → MonicaClear receipts
Monica app transfer successful confirmation screen
05
Supported assets

The coins we accept.
All flowing to naira.

Every coin you hold routes to the same destination — your Nigerian bank account.

₦
06
Why Monica

The shortest route from
crypto to cash.

Same start, same finish — but look how much road the others make you travel.

Monica
under 60s
P2P platforms
15–90 min
Exchanges
15–60 min
0
Active users
₦400B+
Processed
0%
Fees, ever
4.7★
App rating

Monica vs other ways to sell crypto in Nigeria

What mattersMonicaBreetRoqquBushaBinance P2P
Payout to your bankUnder 60s"under 287s"up to ~10 min"instant"15 min–2 hrs
Conversion + withdrawal fee0%FreeVariesVariesSpread varies
EFCC freeze risk from stranger fundsNone — direct settlementNoneNoneNoneYes (P2P)
Vendor / order book requiredNoNoNoNoYes
Nigerian SEC postureVASP-framework alignedNDPA-compliantEEA licenceSEC provisional DAXWithdrew NGN, Mar 2024
App rating4.7★ · 7,400+ reviewsvariesvaries4.5–4.6★n/a

Figures reflect publicly stated information as of May 2026; competitor claims are their own. Monica is a direct crypto-to-naira off-ramp operated by Monica Technologies Limited, Lagos.

07
Voices · 4.7★ from 7,400+

Travelled by half a
million Nigerians.

"

Binance P2P locked my account once and that was it for me. Now I just send USDT and the naira enters my Opay — no merchant, no "I've paid o" story. Never looked back.

CO
Chidinma OkekeLekki, Lagos
"

My clients abroad pay in USDC. Cashed out by 11pm on a Sunday and the Access alert landed before I could drop my phone. Bank hours no dey concern me again.

TA
Tunde AdekunleIbadan
"

I pay my China supplier in USDT and fund my dollar card straight from crypto. Ended all the domiciliary-account wahala for my shop. Quiet small magic behind the counter.

AB
Aisha BelloKano
"

My brother sends the family money in USDT every month. I used to lose plenty to aboki rate — now it hits my GTBank in seconds at the exact rate I see. No middleman.

IH
Ibrahim HassanKaduna
08
Questions

Everything you
might ask.

01Is Monica legit?+
Yes. Monica is operated by Monica Technologies Limited, a Nigerian-registered company aligned with the SEC's Virtual Asset Service Provider (VASP) framework and NDPA data protection. Monica serves 500,000+ verified users and has processed over ₦400 billion in transactions.
02How fast does Monica pay out to my bank?+
Once your crypto deposit confirms on-chain, naira credits to your Monica balance instantly. Bank withdrawal runs over NIBSS instant transfer — digital banks like Opay and Kuda clear in 5–10 seconds, tier-1 banks like GTBank and Zenith in 30–60 seconds.
03What does Monica charge to convert crypto to naira?+
0% on conversion and 0% on bank withdrawal. The only cost is the on-chain network fee for sending your crypto, which goes to blockchain validators — not Monica.
04Which coins and networks can I sell on Monica?+
Bitcoin, Ethereum, Solana, Tron and BNB, plus USDT and USDC — across all supported chains including Bitcoin mainnet, ERC-20, TRC-20, BEP-20, Solana and Base.
05Which Nigerian banks does Monica pay into?+
All NIBSS-connected Nigerian banks, including GTBank, Access, First Bank, Zenith, UBA, Fidelity, Stanbic IBTC, Sterling, Union, Wema, Opay, Kuda, Moniepoint, PalmPay and 40+ more.
06Do I need KYC to use Monica?+
Yes — one screen. BVN or NIN plus a quick selfie. Verification typically clears in under four minutes and is required for SEC-aligned compliance and bank withdrawals.
07Can I sell USDT TRC-20 for naira on Monica?+
Yes. Monica supports USDT on TRC-20, ERC-20, BEP-20 and Solana — all with automatic conversion to naira and no conversion fee.
08Is Monica safer than Binance P2P or Bybit P2P?+
For the typical Nigerian off-ramp, yes. Monica pays naira from its own settlement account, so you never receive funds from a stranger and you avoid the EFCC account-freeze risk that arises when P2P buyers pay with funds from compromised accounts.
09What is the best app to sell crypto in Nigeria in 2026?+
For Nigerians cashing crypto into naira, Monica is a strong choice on payout speed (under 60 seconds), fees (0%), bank coverage (40+) and SEC VASP alignment. Alternatives include Breet, Busha, Quidax and Yellow Card.
10Where can I sell crypto after the Binance naira ban?+
Monica is a direct crypto-to-naira off-ramp, not a P2P marketplace. Send your USDT, BTC or other coins to your Monica address and receive naira in your Nigerian bank in seconds — no merchant and no order book required.
11Does Monica have a virtual dollar card?+
Yes. Verified Monica users can create and fund a virtual USD card and spend globally anywhere Visa or Mastercard is accepted.
12Is the Monica app free to download?+
Yes — Monica is free on the App Store and Google Play, with no subscription. There are no conversion or withdrawal fees either; you only ever pay the blockchain network fee on a deposit.

Route's end.
Naira in hand.

Free on iOS & Android · 500,000+ downloads

Download on theApp Store Get it onGoogle Play