Weekend behaviour is where the routes genuinely differ. Bank wires queue until Monday. Some app remitters pause payouts when their Nigerian banking partners batch. Cash pickup waits for agent opening hours. The on-chain route has no concept of a weekend: confirmation is machine consensus and the naira leg is NIBSS instant rails. For emergencies — which don't schedule themselves for business hours — this is the property that matters.
On the USDT route, yes — identically to weekdays. Blockchains don't close and NIBSS runs 24/7, so a Saturday-night transfer from London reaches a Lagos bank account in minutes, Sunday included.
A verified Monica.cash account — BVN or NIN plus a selfie, about 4 minutes — and any Nigerian bank account for the naira.
About $1 in network fees on TRC-20. Monica charges 0% to receive, convert, and withdraw.
Seconds to a few minutes for on-chain confirmation, then under 60 seconds from conversion to bank alert — 24/7, weekends included.
0% fees on the Nigeria side. Live market rate. Every Nigerian bank.
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