On the three things Nigerian users care about fees, speed, reliability Monica.cash beats Busha cleanly.
| Feature | Monica.cash | Busha |
|---|---|---|
| Transaction Fee | 0% | 0.5–1% trading |
| Typical Payout Speed | Under 60 seconds | 15–60 minutes typical |
| Supported Coins | 7 (BTC, ETH, SOL, TRX, BNB, USDT, USDC) | BTC, ETH, USDT, USDC, BNB, XRP |
| Bank Coverage | All NIBSS-connected banks (40+) | All NIBSS banks |
| App Store Rating | 4.6★ (App Store) / 4.7★ (Play) | 4.3★ / 4.2★ |
| KYC Requirement | BVN or NIN + selfie (4 min) | BVN + ID + selfie |
| Customer Support | 24/7 in app chat, ~2 min response | Standard ticket support |
| Founded | 2022 (Monica Technologies Limited) | 2018 |
| Active User Base (NG) | 500,000+ | ~7,500 reviews |
| Lifetime NGN Volume | ₦400+ billion | Not publicly disclosed |
"Support actually replied on WhatsApp and sorted my issue the same day. Rare these days."
"No drama. Deposit BTC, get naira. This is how it should have been all along."
"E dey work die. Kuda alert enters sharp sharp every single time."
"Was sceptical at first sha. Did a small test, naira landed instant. I dey use am every week now."