No desktop, no browser extensions, no hardware needed. The app is a ~30MB download from Google Play or the App Store, verification uses your phone camera (selfie) plus BVN or NIN, and every subsequent operation is in-app. Older phones cope fine — the heaviest thing the app does is display a rate chart.
Yes — the entire receiving flow is mobile: the Monica app generates your deposit address, notifies you when USDT arrives, converts at the live rate, and pays out to your bank. Android and iOS, and it runs fine on modest data plans.
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.
Download Monica