Updated every 60 seconds • Today, 14 July 2026 • Live open-market NGN rates for every major coin
| Coin | Live NGN rate | Cash out |
|---|---|---|
| Bitcoin (BTC) | ₦85,695,657 | Sell BTC |
| Tether (USDT) | ₦1,378 | Sell USDT |
| Ethereum (ETH) | ₦2,440,099 | Sell ETH |
| Solana (SOL) | ₦103,019 | Sell SOL |
| BNB (BNB) | ₦780,816 | Sell BNB |
| Tron (TRX) | ₦447 | Sell TRX |
| USD Coin (USDC) | ₦1,378 | Sell USDC |
Live widgets refresh every 60 seconds. Baked reference figures from build time.
The number that matters is naira-received per coin after fees and spread. Here's how the major Nigerian routes structure their cost — check each platform's current schedule before large conversions.
| Platform | Fee structure | Rate basis | Payout speed |
|---|---|---|---|
| Monica.cash | 0% platform, 0% withdrawal | Live open-market rate, shown pre-conversion | Under 60s after on-chain confirmation |
| Quidax | Maker/taker fees, published schedule | Order-book market price | Sell order, then naira withdrawal |
| Busha | Instant buy/sell pricing | Quoted buy/sell rate | Sell in-app, then withdraw naira |
| Roqqu | Trading spreads + published deposit/withdrawal charges | Spread on the quoted rate | Sell in-app, then withdraw naira |
| Breet | No published % fee; ₦50 naira withdrawal fee | Margin sits in the displayed rate | Automatic sell-and-settle |
| Binance → local off-ramp | Withdrawal fee + off-ramp terms | Depends on the naira leg chosen | Depends on route |
Live reference rates: 1 BTC ≈ ₦85,695,657, 1 USDT ≈ ₦1,378. The table above refreshes every 60 seconds from live market data.
Fees and spreads. Some platforms charge a visible percentage fee; others build a margin into the displayed rate — Breet, for example, publishes no percentage conversion fee, with its margin in the displayed rate plus a flat ₦50 naira withdrawal fee. Monica shows the live open-market rate and charges 0% — the displayed rate is the payout rate.
Compare naira-received per coin, not advertised rates. With 0% fees on Monica, the live market rate is what lands in your bank. Elsewhere, order-book exchanges like Quidax add maker/taker fees on a published schedule, while sell-and-settle services like Breet carry their margin in the displayed rate.
Continuously — crypto trades 24/7. This page's live widgets refresh every 60 seconds; baked figures are rebuilt regularly.
Crypto/NGN pairs price at the open-market rate — where the naira actually trades. Since the 2023 FX reforms the official window sits within a few percent of it.
What you see at conversion is what your bank receives. That's the whole model.
Download MonicaDownload the crypto to naira app for Android — rated 4.5★ by 10,700+ Nigerians — or get Monica for iPhone. Verify in about 4 minutes and convert at the live rate.
The naira from your crypto doesn't have to leave Monica — spend it in the same app.