Accept Bitcoin & USDT payments from Upwork, Fiverr, Toptal clients. Automatic conversion to Naira in 5 minutes. No P2P vendors, no hassles.
Over 1.2 million Nigerian freelancers work on platforms like Upwork, Fiverr, and Toptal, earning over $300 million annually in foreign currency. Yet getting paid remains a nightmare. PayPal limits withdrawals, bank wire transfers take 3-7 days and cost up to $45 per transaction, and traditional remittance services charge 5-12% in fees.
More clients now offer crypto payments - especially Bitcoin and USDT - as a faster, cheaper alternative. But Nigerian freelancers face a new challenge: converting cryptocurrency to Naira. P2P platforms require constant negotiation, verification delays, and the risk of dealing with unreliable vendors. Many freelancers lose 3-5% to poor exchange rates and fees.
Monica solves this problem completely. Give your clients a Monica Bitcoin or USDT address. When they send payment, it automatically converts to Naira within 5 minutes. No vendor negotiations, no manual processing, no hidden fees. Just instant, automatic Naira in your account.
The moment your client sends Bitcoin or USDT to your Monica wallet, it automatically converts to Naira. No manual action needed. Set it up once, get paid forever.
From the moment blockchain confirmation happens, your Naira is ready within 5 minutes. Fastest crypto-to-Naira settlement in Nigeria for freelancers receiving international payments.
Skip the hassle of finding P2P vendors, waiting for responses, and negotiating rates. Monica handles everything automatically at the best market rates.
USDT, Bitcoin (after $2 flat fee), USDC, ETH, SOL, TRX, and BNB deposits are free. No percentage-based fees eating into your hard-earned freelance income.
Once converted to Naira, withdraw to any Nigerian bank account with zero fees. Keep 100% of your freelance earnings - no hidden charges on withdrawals.
Working on global projects means working odd hours. Monica's 24/7 in-app live chat support is always available when you need help with payments.
Download the Monica app (iOS/Android) or use the web platform. Create your account in 3 minutes. Get your unique Bitcoin or USDT deposit address instantly - no verification delays.
When negotiating payment with your Upwork, Fiverr, or direct client, simply share your Monica Bitcoin or USDT address. Professional clients prefer crypto because it's faster and cheaper than wire transfers.
Your client sends Bitcoin or USDT from their wallet (Coinbase, Binance, any wallet). No complex setup on their end. They just send to your address like any crypto transaction.
Monica automatically converts to Naira within 5 minutes of blockchain confirmation. Withdraw to your GTBank, Access, First Bank, Kuda, or any Nigerian bank instantly with zero fees.
When quoting rates to international clients, factor in that crypto payments save them 3-5% compared to wire transfers. This means you can offer slightly lower rates while still earning more than traditional payment methods. Many freelancers report winning more contracts by offering crypto as a payment option.
Upwork Top Rated • $85/hour
"I was losing $200+ monthly to wire transfer fees and exchange rate markups from my bank. Since switching to Monica for crypto payments, I keep an extra ₦300,000 every month. My American clients love it because they save on fees too. I converted my 3 biggest clients to Bitcoin payments - game changer for my freelance business."
Fiverr Level 2 Seller • 1,200+ Orders Completed
"My UK client pays me $2,000 monthly via Bitcoin to my Monica wallet. It converts to Naira in 5 minutes, and I withdraw to my Kuda account with zero fees. Before Monica, I was using P2P vendors and losing at least 3% per transaction. That's ₦95,000 saved every month. Plus no more waiting 2-3 hours for P2P vendors to confirm trades."
Freelance Designer • 5 Years Experience
"I work with 4 different clients across Canada, Australia, and the US. Three of them now pay me in USDT because it's instant and cheap for them. Monica automatically converts each payment to Naira without me doing anything. Last month I received 8 different crypto payments totaling ₦1.8 million - all converted automatically. This is exactly what Nigerian freelancers need."
| Payment Method | Time to Naira | Fees | Exchange Rate | Client Convenience |
|---|---|---|---|---|
| Monica Crypto Payment | 5 minutes | $2 (BTC only) ₦0 (USDT, USDC, ETH, SOL, TRX, BNB) |
Best market rate | Very Easy |
| Bank Wire Transfer | 3-7 days | $25-$45 per transfer | Bank markup 3-5% | Complicated |
| PayPal (Withdraw) | 3-5 days | 3.9% + ₦100 Limited to $500/day |
PayPal markup 3-4% | Easy |
| Western Union / MoneyGram | 24-48 hours | 5-12% of amount | Poor rates | Physical pickup |
| P2P Crypto Vendors | 1-3 hours | 2-5% markup | Negotiable (usually poor) | Manual trading |
As you can see, Monica offers the fastest settlement time, lowest fees, and best exchange rates for Nigerian freelancers receiving international crypto payments. While P2P vendors might seem like an alternative, they require constant manual effort, negotiation, and carry security risks. Monica automates everything while maintaining SEC compliance and institutional-grade security.
Monica supports all major cryptocurrencies that international clients typically use for payments. Each cryptocurrency has specific advantages depending on your client's preference and location.
Most popular with North American and European clients. $2 flat deposit fee, then free conversions. Perfect for large payments ($1,000+). Clients love Bitcoin for its reputation and ease of use.
Stablecoin pegged to $1 USD - no crypto volatility. 100% free deposits and conversions. Popular with Asian and Middle Eastern clients. Fastest settlement times because there's no price fluctuation.
Second most popular after Bitcoin. Free deposits and conversions. Many tech-savvy clients prefer ETH. Monica supports ERC-20 tokens on Ethereum network for maximum compatibility.
Regulated stablecoin preferred by institutional clients. 100% free deposits and conversions. Backed by Circle, giving clients confidence in payment security. Same benefits as USDT with regulatory compliance.
Ultra-fast blockchain with near-zero transaction costs. Free deposits and conversions. Growing popularity among crypto-native clients and Web3 companies hiring remote Nigerian developers.
Free deposits and conversions for both. TRX popular with Asian clients, BNB with Binance users. Low network fees make them ideal for smaller freelance payments under $200.
For clients making large payments ($1,000+), request Bitcoin - it's universally recognized and your $2 fee is negligible. For clients making regular smaller payments, request USDT or USDC - zero fees and zero volatility. Most American clients have Coinbase and can easily send any cryptocurrency. Chinese and Asian clients often prefer USDT on Tron network for lowest fees.
Many Nigerian freelancers hesitate to ask clients for crypto payments, thinking it's complicated. In reality, most international clients prefer crypto because it saves them money too. Here's how to make the transition smoothly.
The best time to introduce crypto payments is after you've delivered excellent work and the client trusts you. Don't ask during initial contract negotiations unless the client mentions crypto first. After 1-2 successful projects, say: "I've been exploring more efficient payment methods. Would you be open to using Bitcoin or USDT for future invoices? It actually saves you money on transfer fees."
Frame crypto payments around what the client gains, not just what you need. Wire transfers cost them $25-$45 each. PayPal charges them 3.9% plus fees. Crypto payments cost them $1-$5 regardless of amount. For a $2,000 monthly payment, they save $40-$80 by using Bitcoin. That's $480-$960 saved annually per freelancer. If they hire multiple remote workers, their savings multiply.
Send clear instructions: "You can send Bitcoin from Coinbase, Cash App, or any crypto wallet. Just send to this address: [your Monica Bitcoin address]. It takes 5 minutes and costs you $2-3 in fees instead of $45 for wire transfer." Most American clients already have Coinbase or Cash App and can send crypto in 30 seconds. European clients often use Revolut or Kraken. Middle Eastern and Asian clients frequently use Binance.
"Isn't crypto risky?" - Bitcoin has been around 15 years and powers billions in business payments globally. It's as safe as any payment method when you send to the correct address. "Is it legal?" - Yes, Bitcoin and crypto are legal in US, Canada, UK, EU, and most countries. Many Fortune 500 companies now accept crypto payments. "What about taxes?" - They report it the same as any contractor payment. You're just changing the payment method, not the business relationship.
Don't try to convert all clients at once. Pick your highest-paying or most flexible client. Say: "Would you be willing to try crypto payment for next month as a test? If there are any issues, we can go back to bank transfer." Once one client sees how smooth it is, they'll often recommend it to other freelancers they hire. Some freelancers report clients proactively offering crypto after seeing the benefits.
For deposits, you can start receiving crypto payments immediately with basic registration. For withdrawing Naira to your bank account, you'll need to complete identity verification (BVN, ID card). This typically takes 5-10 minutes and is required by Nigerian SEC regulations. Once verified, you can withdraw unlimited amounts to any Nigerian bank.
Tell them: "Monica is Nigeria's SEC-compliant crypto wallet that automatically converts crypto to local currency. It's like Coinbase, but for Nigerian Naira. You just send Bitcoin/USDT to my wallet address like any other crypto transaction." Most clients don't need more details - they just care that their payment reaches you quickly and cheaply.
Monica converts to Naira within 5 minutes of blockchain confirmation, so price fluctuation risk is minimal. For Bitcoin, confirmations take 10-30 minutes typically. For USDT/USDC (stablecoins), there's zero price volatility - they're always $1 USD. Most freelancers prefer requesting USDT for predictable amounts, and Bitcoin for large one-time payments where the $2 fee is negligible.
Yes! Your Monica wallet can receive unlimited crypto payments from unlimited clients. Each payment automatically converts to Naira. You can track all payments in your transaction history with dates, amounts, and client details if you add notes. Many freelancers use one Monica wallet for all their international clients.
Yes, freelance income received in crypto is taxable just like any other freelance income in Nigeria. Monica provides transaction history for your tax records. Consult a Nigerian tax professional for specific advice. Monica is SEC compliant and provides all necessary documentation for legal tax reporting.
There's no minimum for receiving payments. However, for very small amounts (under $10), network fees might make other payment methods more economical. For Bitcoin, network fees are typically $1-3. For USDT/USDC on Tron network, fees are under $1. For freelance payments typically starting at $50+, crypto is almost always the cheapest option.
Bitcoin confirmations take 10-60 minutes depending on network congestion. USDT, USDC, ETH, SOL typically take 1-10 minutes. Tron (TRX) is fastest at 1-3 minutes. Once blockchain confirms the transaction, Monica converts to Naira within 5 minutes. You can track transaction status in real-time in the Monica app.
Crypto transactions are irreversible - this is why you must double-check addresses before sharing with clients. Always copy your Monica address directly from the app, never type it manually. We recommend sending a small test payment ($10-20) first for new clients before they send large amounts. Once they confirm the test works, they can send full payments confidently.
Monica can confirm when crypto was received and converted, but we can't mediate freelance disputes or reverse payments. Crypto payments are final once confirmed. This is actually an advantage - no chargebacks like PayPal. We recommend using freelance platforms (Upwork, Fiverr) for client relationship management, and Monica purely for receiving and converting payments.
Join 10,000+ Nigerian freelancers getting paid in Bitcoin, USDT, USDC and automatically converting to Naira. Free deposits, 5-minute settlement, SEC-compliant platform.
Download Monica - It's Free