MTN, Airtel, Glo and 9mobile, topped up in seconds from USDT or Bitcoin, at 3% off.
Every service on this page runs on the same loop: send BTC, USDT or any supported crypto to your Monica address, it converts to naira at the live market rate the moment it confirms on-chain (payout in under 60 seconds after confirmation, 0% platform fees), and the naira is instantly spendable inside the same app. No withdrawing to a bank first, no second app, no P2P.
Send BTC, USDT (TRC-20/ERC-20/BEP-20/Solana/Base), ETH, SOL, BNB or TRX to your permanent Monica address from any wallet or exchange.
Once your deposit confirms on-chain, it converts at the live market rate, naira credits your balance in under 60 seconds after confirmation, with 0% platform fees.
Pick the network (MTN, Airtel, Glo, 9mobile), enter any phone number and amount.
Confirm and the airtime lands in seconds, with the discount applied automatically.
Nigeria's largest network. Deposit USDT, convert at the live rate, and top up any MTN number instantly, including VTU for friends and family.
Instant Airtel top-ups from your converted balance, any amount from ₦50 upward.
Glo airtime delivers in seconds from your naira balance, no scratch cards, no vendor.
Full support for 9mobile top-ups, same instant delivery and discounted rates.
| Step | Cost |
|---|---|
| Crypto → naira conversion | 0% at the live market rate |
| Airtime purchase | 3% below face value, applied automatically at checkout |
| Network fee on deposit | Varies by chain (~$1 on TRC-20 USDT) |
Yes. Deposit USDT or BTC on Monica, it converts to naira at the live rate (under 60 seconds after on-chain confirmation), and you buy MTN, Airtel, Glo or 9mobile airtime instantly from the same app.
Yes, USDT on TRC-20 confirms in seconds to ~2 minutes, then MTN top-up is instant. Total: within 60 seconds of on-chain confirmation from wallet to airtime.
Yes, 3% below face value on every network, applied automatically at checkout.
Yes, any Nigerian number on any network, many users run family top-ups from one balance.
From ₦50, so even small leftover balances convert into something useful.
USDT (TRC-20) for speed and ~$1 network fees. BTC works too, just allow 10 to 30 minutes for Bitcoin confirmation.
No. The airtime is bought from your Monica naira balance directly, that's the point.
Yes. Crypto-to-naira conversion is lawful under Nigeria's SEC VASP framework, and airtime purchase is an ordinary naira transaction.
Yes, see the data guide; every network's bundles are available in the same flow.
Failed purchases auto-reverse to your balance and 24/7 in-app support can trace any network-side delay.
Convert at the live rate, then spend without leaving Monica. 0% conversion fees, 700,000+ Nigerians.
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