MTN top-ups from crypto in under 5 minutes — 3% off face value, any number.
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 MTN, enter any phone number and amount from ₦50.
Confirm — the discount applies automatically and the airtime lands in seconds.
MTN is Nigeria's largest network by subscribers. On Monica the flow is: deposit USDT (TRC-20 confirms in seconds to ~2 minutes), it converts to naira at the live market rate with 0% fees in under 60 seconds after confirmation, then top up any MTN number — with 3% off face value applied automatically. Bitcoin works too; just allow 10–30 minutes for BTC confirmation.
Anything from ₦50 upward, to your own number or anyone else's. Diaspora users fund family MTN lines this way — USDT from abroad becomes MTN airtime in Lagos in under five minutes.
Yes. Deposit USDT on Monica, it converts to naira at the live rate (0% fees, under 60 seconds after on-chain confirmation), and MTN top-up is instant — at 3% below face value.
Typically under 5 minutes end to end: seconds-to-minutes for TRC-20 confirmation, under a minute for conversion, instant top-up.
Yes — 3% off face value on every network, applied automatically at checkout.
Yes, any Nigerian number.
Yes — BTC, ETH, SOL, BNB and TRX all convert the same way; USDT on TRC-20 is just the fastest.
Yes — a lawful crypto-to-naira conversion under the SEC VASP framework, then an ordinary naira airtime purchase.
Convert at the live rate, then spend without leaving Monica. 0% conversion fees, 500,000+ Nigerians.
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