USDT or BTC in — a dollar card that international merchants actually accept, minutes later.
Every service on this page runs on the same loop: send BTC, USDT or any supported crypto to your Monica address, it converts to naira at the live market rate the moment it confirms on-chain (payout in under 60 seconds after confirmation, 0% platform fees) — and the naira is instantly spendable inside the same app. No withdrawing to a bank first, no second app, no P2P.
Send BTC, USDT (TRC-20/ERC-20/BEP-20/Solana/Base), ETH, SOL, BNB or TRX to your permanent Monica address from any wallet or exchange.
Once your deposit confirms on-chain, it converts at the live market rate — naira credits your balance in under 60 seconds after confirmation, with 0% platform fees.
Open Cards in the app and activate your virtual dollar card in one tap (verified accounts).
Load the card from your balance and pay Netflix, ChatGPT, Spotify and any online merchant that takes virtual cards.
If you earn in USDT or BTC, the old path to paying Netflix or ChatGPT was crypto → exchange → bank → naira card that gets declined anyway. Monica's route: deposit crypto, convert at the live rate (0% fees, under 60 seconds after confirmation), and load the Monica virtual dollar card — accepted by international merchants that reject Nigerian naira cards.
Netflix, Spotify, Apple, Google, ChatGPT Plus, AWS, Canva, YouTube Premium, Amazon, domain registrars, ad platforms — anywhere Visa/Mastercard virtual cards are accepted online. See the full card details on the Monica Pay Cards page.
| Route | Crypto funding | Naira rails & support | Notes |
|---|---|---|---|
| Monica | Native — USDT/BTC in, card funded in minutes | Full: Nigerian support, naira balance, bills in same app | 0% conversion; card fees shown in-app |
| Global crypto cards | Yes | None — no naira, no local support | Foreign KYC, dollar-only flows |
| Local VDC apps | Rarely, often buried | Yes | Usually require bank funding first |
Yes — on Monica you deposit USDT or BTC, it converts at the live rate (0% fees, under 60 seconds after on-chain confirmation), and the virtual dollar card is funded from that balance in minutes.
Netflix, Spotify, Apple, Google, ChatGPT Plus, AWS, YouTube Premium, Amazon and most international online merchants that accept virtual Visa/Mastercard.
Nigerian naira cards are widely declined on international merchants. A dollar-denominated virtual card removes the decline problem.
Card creation and funding fees are shown transparently in-app before you confirm; the crypto-to-naira conversion itself is 0%.
USDT (TRC-20): seconds-to-minutes confirmation, conversion under 60 seconds after that, card funding immediate. Under 10 minutes end to end.
In-app limits apply per verification tier — verified accounts cover typical subscription and shopping needs comfortably.
Card details work anywhere manual card entry is accepted; wallet-app support is rolling out — check the app.
Yes — lawful conversion under the SEC VASP framework, then a standard prepaid virtual card.
Convert at the live rate, then spend without leaving Monica. 0% conversion fees, 500,000+ Nigerians.
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