Welcome to Monica
Monica is a Nigerian crypto to naira off ramp used by 700,000+ people, built to make everyday finance simple and secure. Send crypto to your Monica address and the naira lands in your bank within 60 seconds of the network confirming. No hidden fees.
- A Nigerian crypto to naira off ramp
- Paid out by banks licensed by the CBN
- Verified with your NIN and a selfie
- An exchange
- A bank
- A place with hidden fees
The amount you see is the amount that hits your bank. You pay the blockchain network fee when you send.
More Than Just Crypto
With Monica you convert your crypto to naira and use it however you like, with no delays and no hidden fees. Exchange BTC, ETH, SOL, TRX, BNB, USDT and USDC for naira, with payouts within 60 seconds of the network confirming to any Nigerian bank. What it costs: 0% conversion fee and 0% bank withdrawal fee. Free deposits on USDT, USDC, ETH, SOL, TRX and BNB. Bitcoin deposits carry a flat $2 fee. You pay the blockchain network fee when you send.
Monica keeps your money moving at the speed of life.
But Monica is more than just crypto. It's your everyday financial companion, letting you buy airtime, top up data, pay electricity and TV bills, and shop from 1,000+ gift cards anytime, 24/7. Trusted by 700,000+ Nigerians, Monica combines speed, transparency, and reliability in one smooth app experience. Whether you're cashing out crypto, paying, or getting paid, Monica keeps your money moving at the speed of life.
About the Monica Team
Since 2023, our mission at monica.cash has been to empower financial freedom for everyone. We're building a platform that makes money management simple, secure, and accessible, no matter who you are or where you are in Nigeria.
Innovative tools
We help users take full control of their finances, whether they're converting crypto, paying bills, or making everyday transactions.
Transparent fees
Competitive rates, 0% conversion fee and 0% bank withdrawal fee. The amount you see is the amount that hits your bank, every single time.
Financial inclusion
We're driven by a commitment to financial inclusion, community growth, and continuous innovation, ensuring every Monica user enjoys a seamless, reliable, and rewarding experience.
Our Pride
At Monica, we take pride in empowering financial freedom for everyone. Our platform is built on the pillars of security, transparency, and innovation, ensuring that every user, from first-time app users to experienced crypto traders, enjoys seamless, stress-free financial transactions.
By bridging the gap between traditional and digital finance, Monica creates a smarter, more inclusive financial ecosystem where trust and convenience come first. We're committed to driving community impact and delivering tools that empower Nigerians to take full control of their money every day, everywhere.
Curious about converting Bitcoin, Ethereum, or USDT to Naira with Monica? We're glad you're considering us. We keep converting crypto to Naira simple and secure.
Everything Monica Does for You
Experience fast, secure, and reliable payments with Monica. Instantly send or receive money, top up airtime, buy data, pay bills, convert crypto to Naira, and shop from over 1,000 digital gift cards, all from your phone.
Fast payouts
Convert crypto to naira and withdraw to any Nigerian bank, with payouts within 60 seconds of the network confirming, around the clock.
Security built in
Your money and data are protected by multiple layers of security, and every account is verified with your NIN and a selfie.
Trusted service across Nigeria
700,000+ Nigerians rely on Monica for cashing out crypto, paying bills, and getting paid.
Ready to redefine your crypto to Naira experience?
Join 700,000+ Nigerians using Monica. 0% conversion fee. Naira in your bank within 60 seconds of the network confirming.
Rules and taxes
Is crypto legal in Nigeria?
Where the rules on holding and selling crypto stand today for people in Nigeria.
Crypto tax in Nigeria
What tax may apply when you sell crypto for naira and how to keep records for filing.
Settle crypto payments to naira
Receive crypto from customers and settle it to naira in your business bank account.