The Monica Way | Episode 5: Padi Chop I Chop: Bring Your Padi, Earn Your Money

Your referral code is already sitting in your Monica app. Most people have never used it. This episode explains what it does, how it works and why ten BTC transactions from one person you referred could put ₦30,000 in your pocket in a single day.

The Problem Every Nigerian Recognises

You told your friend about Monica.

Maybe you explained it over the phone. Maybe you sent them a link. Maybe you just said "use Monica to convert your Bitcoin, it is fast and the fees are zero" and moved on with your day.

Your friend downloaded the app. They converted their Bitcoin. The naira landed in their bank account in under sixty seconds.

And you received exactly nothing for the recommendation that made that happen.

That is the old way of spreading the word about a product you believe in. You do the work, the friend gets the value and the conversation moves on.

Monica built something different.

What Padi Chop I Chop Actually Is

Monica's referral programme is called Padi Chop I Chop, which is the most honest name a referral programme has ever been given, because it says exactly what it means in exactly the language Nigerians use when something works for everyone involved.

You chop. Your padi chops. Nobody is left out.

Here is how it works in precise terms.

Every Monica user has a personal referral code. When someone downloads Monica and creates their account, they are asked how they heard about Monica and one of the options is from a friend. Selecting that option opens a field where they enter the referral code they received from you.

That code creates a link between your account and theirs. From that point, every time that person converts Bitcoin on Monica, you earn ₦3,000. Not once. Every time.

If they convert Bitcoin ten times in a single day you earn ₦3,000 ten times. That is ₦30,000 from one person, in one day, from transactions you did not make yourself.

Two important things to know before the steps.

First, the referral bonus applies only to Bitcoin transactions. When someone you referred converts ETH, SOL, USDT, USDC, BNB or TRX the transaction completes normally but the referral bonus does not trigger. It is a BTC-only reward.

Second, every Monica user must complete KYC verification before they can perform any transaction on the app. An account without KYC is an account that cannot convert, which means it also cannot trigger your referral bonus. When you share your code with someone, make sure they complete their full registration including identity verification so their first BTC conversion can happen and your first ₦3,000 can follow.

The Monica Way

Your referral code is already there. It has been there since the day you registered. Most people have never found it.

Here is where it is and what to do with it.

Step by Step: How to Find and Share Your Referral Code

Step 1: Open the Monica app on your phone.

Step 2: Look at the icons at the bottom of the screen and tap on Profile.

Step 3: In the top right corner of your profile screen you will see the option that says Refer and Earn. Tap it.

Step 4: Your personal referral code appears on screen. Tap Copy.

Step 5: Share the code with anyone you want to refer, through WhatsApp, a direct message, a voice note or however you normally communicate. Tell them to select From a Friend when they are asked how they heard about Monica during registration and to enter your code in the field that appears.

That is it. Once they complete registration with KYC, verify their identity and make their first Bitcoin conversion on Monica, your ₦3,000 is on its way.

How to Make the Referral Work Properly

Sharing a code is the easy part. Making sure the person on the other end actually uses it requires a small amount of guidance from you, because the moment where the referral code gets entered, the onboarding screen where they select how they heard about Monica, passes quickly and is easy to skip without realising its significance.

When you share your code, tell the person specifically what to do with it. Tell them to select From a Friend when the app asks where they heard about Monica and to enter your code before they proceed. That single step is what connects their account to yours and activates the bonus for every BTC transaction they make.

If they complete registration without entering the code, the connection does not exist and the bonus does not apply. You cannot add a referral code after registration is complete. It has to happen at the point of onboarding.

What This Looks Like in Practice

You have a friend who receives Bitcoin payments from a client abroad every week. You share your Monica referral code. They download the app, complete KYC, select From a Friend and enter your code during registration.

Every time they convert that Bitcoin payment on Monica, which they will do weekly, possibly multiple times a week depending on their client's payment schedule, you earn ₦3,000. Without converting anything yourself. Without doing anything after sharing the code and having a two-minute conversation.

Three conversions a week from one person is ₦9,000. Four is ₦12,000. If they convert daily it is ₦21,000 a week from a single referral. These are not ceiling figures, they are the natural outputs of a feature that has no limit on how many times the bonus can trigger per person per day.

The only ceiling is how many people you refer and how actively those people convert Bitcoin.

Closing Thought

Monica built Padi Chop I Chop on a simple belief: if a product is good enough for you to tell someone else about it, that recommendation deserves to be rewarded every time it leads to a real transaction.

Your referral code is not a discount voucher that someone uses once and forgets. It is a recurring reward tied to real financial activity, and every BTC transaction your referred user makes is the code working exactly the way it was designed to.

You already have the code. You probably already know people who convert Bitcoin and would benefit from switching to Monica's zero-fee, under-sixty-second settlement.

The gap between your current earnings from referrals and what Padi Chop I Chop makes possible is the size of one conversation.

Go have it.

New edition every Friday. One feature. One guide. One step closer to getting everything out of Monica. Monica converts BTC, ETH, SOL, USDT, USDC, BNB and TRX to naira. Under 60 seconds. Direct to your Nigerian bank account.

Your code is ready. Your padi is waiting. Share Monica now👉https://monica.cash/app