Two lines cover everything. Conversion and bank withdrawal are free. Deposits are free on six coins and cost a flat $2 on Bitcoin.
Seven coins, three columns, no small print. The only fee Monica charges is the flat $2 on Bitcoin deposits.
| Coin | Deposit fee | Conversion fee | Withdrawal fee |
|---|---|---|---|
| BTC | $2 flat | 0% | 0% |
| USDT | Free | 0% | 0% |
| USDC | Free | 0% | 0% |
| ETH | Free | 0% | 0% |
| SOL | Free | 0% | 0% |
| TRX | Free | 0% | 0% |
| BNB | Free | 0% | 0% |
When you send crypto from a wallet or exchange, that platform charges a network fee. It goes to the blockchain, not to Monica, and it depends on the network: TRC20 and Solana are usually the cheapest ways to send USDT.
You see the live rate before you send, on the calculator and in the app. The naira shown is the naira you receive.
Selling through the API instead of the app? API pricing is separate and sits on the older pricing page.
Bitcoin transactions cost more to process on-chain than the other coins we support. The $2 covers that cost and nothing more.
No. 0% on every bank withdrawal.
You pay it to the wallet or exchange you send from, and it goes to the blockchain. Monica does not see it and does not add to it.
Free deposits on USDT, USDC, ETH, SOL, TRX and BNB, a flat $2 fee on Bitcoin deposits, 0% conversion fee and 0% bank withdrawal fee. Naira in your bank within 60 seconds of on-chain confirmation.
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