Live rates for every cryptocurrency Monica supports. Convert Bitcoin, USDT, Ethereum, Solana, BNB, XRP, Dogecoin, Litecoin and more to Nigerian Naira instantly. SEC compliant, 500,000+ users, free bank withdrawals.
Real-time prices for all 13 cryptocurrencies supported on Monica. Click "Sell Now" to convert instantly.
Compare all 13 supported cryptocurrencies side by side — fees, speed, networks, and live Naira rates.
| Cryptocurrency | Ticker | Live Rate (NGN) | Deposit Fee | Speed | Networks | Action |
|---|---|---|---|---|---|---|
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Three simple steps — no vendor negotiation, no waiting, no risk of scams. Fully automatic conversion to your bank account.
Sign up on Monica in under 2 minutes. Verify your identity with your BVN for instant approval. Link any Nigerian bank account for free withdrawals. The entire process takes less time than making a cup of tea.
Select the cryptocurrency you want to sell from the 13 supported options. Copy your unique deposit address and send crypto from any wallet or exchange. Monica assigns you a permanent address for each coin.
Once the blockchain confirms your deposit, Monica automatically converts it to Naira at the live market rate and sends it to your bank account. No manual approval, no vendor matching, no delays. 5-40 minutes total.
Converting cryptocurrency to Nigerian Naira is one of the most common financial activities in Nigeria's digital economy. Whether you are a freelancer receiving payment in Bitcoin, a trader cashing out USDT profits, a diaspora Nigerian sending remittances home via crypto, or an investor realizing gains from Ethereum, the ability to quickly and safely convert crypto to Naira determines how useful cryptocurrency is to you in your daily life. Monica has built the infrastructure to make this conversion seamless for all 13 major cryptocurrencies that Nigerians use regularly.
Nigeria consistently ranks among the top 5 countries globally for cryptocurrency adoption, according to Chainalysis. This remarkable adoption rate is driven by several factors unique to the Nigerian economy: persistent Naira inflation that erodes the purchasing power of traditional savings, expensive and slow international remittance channels, a large freelancer and remote worker population that receives payments in crypto, and a young, tech-savvy population with one of the highest smartphone penetration rates in Africa. Each of these factors creates demand for fast, reliable crypto-to-Naira conversion.
Monica has established itself as the leading crypto-to-Naira platform in Nigeria by solving the three biggest problems with traditional P2P conversion: speed, safety, and transparency. On peer-to-peer platforms, you need to find a buyer, negotiate a rate, send your crypto, and then hope the buyer actually pays. This process can take hours and carries real risks of scams, fake payment confirmations, and rate manipulation. Monica eliminates all of this friction with automatic conversion — you deposit your crypto and receive Naira in your bank account without interacting with any vendor.
The platform now serves over 500,000 verified users and has processed more than 400 billion Naira in transactions. Monica is SEC compliant, meaning it operates within Nigeria's regulatory framework and your transactions have legal protection. The fee structure is transparent: a flat $2 fee for Bitcoin and Ethereum transactions, and completely free deposits for stablecoins (USDT and USDC) and altcoins. Bank withdrawals to any Nigerian bank are always free, regardless of the amount.
The crypto-to-Naira rate for any cryptocurrency is determined by two independent factors: the global price of that cryptocurrency in US dollars and the current NGN/USD exchange rate. For example, if Bitcoin is trading at $95,000 globally and the Naira is at 1,580 per dollar, then 1 BTC equals approximately 150.1 million Naira. Monica sources real-time global prices from CoinGecko, which aggregates data from hundreds of exchanges worldwide, ensuring you always get accurate market pricing.
Stablecoins like USDT and USDC have a simpler pricing model because their USD value is pegged at approximately $1. This means the USDT/NGN rate essentially mirrors the parallel market Naira exchange rate. If the dollar is trading at 1,580 Naira, then 1 USDT is worth approximately 1,580 Naira. This makes stablecoins popular for Nigerians who want to track the dollar rate and convert at the right moment.
Different cryptocurrencies have different advantages for Naira conversion. Stablecoins like USDT and USDC are ideal for regular, predictable conversions because their value does not fluctuate with crypto markets. They also have free deposits on Monica and confirm quickly on TRC20 or Solana networks. Bitcoin and Ethereum are better for larger conversions and long-term holders cashing out gains — the flat $2 fee makes them very cost-effective for high-value transactions. Altcoins like Solana, BNB, and Tron each have their own networks and speeds, making them suitable for users who already hold these assets.
For freelancers and remote workers who receive crypto payments, USDT on the TRC20 network is the most popular choice because it combines stability, speed, and zero fees on Monica. For traders moving funds between exchanges, Solana and Tron offer fast confirmation times with low blockchain fees. For long-term Bitcoin holders, Monica's $2 flat fee means they pay the same amount whether converting 500,000 Naira or 50 million Naira worth of BTC — a massive advantage over percentage-based platforms.
Monica takes security seriously because trust is the foundation of any financial platform. The platform is fully compliant with Nigerian Securities and Exchange Commission (SEC) regulations, which means it meets the strict requirements for operating a digital asset exchange in Nigeria. This includes KYC (Know Your Customer) verification, anti-money laundering procedures, secure data handling, and regular audits. When you use Monica, you are using a legally recognized platform with the full protection of Nigerian financial law.
The automatic conversion model itself is a security advantage over P2P platforms. Because there is no vendor on the other side of your transaction, you eliminate the risk of chargebacks, fake bank alerts, payment reversals, and social engineering scams that plague peer-to-peer crypto trading in Nigeria. You deposit crypto, the system converts it, and Naira appears in your bank account. The process is deterministic and trustless, which is exactly how financial infrastructure should work.
The most trusted crypto-to-Naira platform in Nigeria, built for speed, safety, and simplicity.
Fully regulated by the Nigerian Securities and Exchange Commission. Your transactions are legally protected and your funds are secure.
No vendors, no negotiation, no waiting. Deposit crypto and receive Naira in your bank account automatically within 5-40 minutes.
Flat $2 fee for BTC/ETH. Free deposits for USDT, USDC, and altcoins. Free bank withdrawals always. No hidden charges or markups.
Convert Bitcoin, USDT, Ethereum, Solana, BNB, Tron, USDC, XRP, Dogecoin, Litecoin, Avalanche, Toncoin, and Bitcoin Cash.
Withdraw Naira for free to any Nigerian bank — GTBank, Access, First Bank, Zenith, UBA, Fidelity, and every other licensed bank.
Nigeria's largest automatic conversion platform with over 400 billion Naira processed. Proven reliability at massive scale.
Join 500,000+ Nigerians who trust Monica for instant crypto-to-Naira conversion. 13 coins supported. Free bank withdrawals. SEC compliant.
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