Bybit P2P means finding a buyer, waiting for a transfer and hoping the money is clean. Withdraw to your Monica address instead and the naira reaches your bank within 60 seconds of confirmation, with no buyer in the middle.
You never type an amount in Monica and there is no sell button. The USDT arrives, the naira goes out. Many of our customers already send from Bybit.
Open the Monica app, tap USDT, choose TRC20 and copy the address.
In Bybit, go to Assets, tap Withdraw, then Crypto Withdrawal. Choose USDT and paste your Monica address.
Under Chain type (Network), choose TRC20. The network in Bybit must match the network in Monica.
Tap Withdraw and confirm with your Bybit security codes. Bybit shows its own withdrawal fee on the same screen.
Naira credits to Monica at once and reaches your bank within 60 seconds of on-chain confirmation. With instant bank settlement on, step 5 is the last thing you do.
TRC20 is the cheapest and fastest for USDT. BEP20 and Solana also work. Sending on a network Monica does not show for that coin cannot be recovered.
Bybit charges its own withdrawal fee, shown on the withdrawal screen. Monica charges nothing on USDT deposits, 0% to convert and 0% to withdraw.
No. You withdraw USDT from Bybit to your Monica address and the naira goes to your bank. No buyer, no chat, no waiting for someone else's transfer.
Bybit says withdrawals are usually processed within 15 to 60 minutes, longer during congestion (Bybit help centre, updated 12 April 2026). Tron then confirms within about a minute.
No minimum on Monica. Bybit applies its own minimum withdrawal, shown on the withdrawal screen.
On P2P you receive naira from another person's bank account. On Monica the naira comes from Monica's settlement account, so there is no stranger's transfer in your statement.
Contact support with the transaction hash. Recovery is not always possible, which is why the network must match.
Free USDT deposits, 0% conversion fee, 0% bank withdrawal fee. Naira in your bank within 60 seconds of on-chain confirmation.
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