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), 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: under 5 minutes 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 10–30 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, 500,000+ Nigerians.
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