The clock has three parts. Sending from an exchange: usually processed within a minute or two (some exchanges batch withdrawals — Coinbase and Kraken are quick; some platforms take 10–30 minutes to release). On-chain confirmation: seconds to 2 minutes on TRC-20 or Solana, 1–3 minutes on ERC-20. Nigeria side: under 60 seconds from conversion tap to bank alert. Weekends, midnight, public holidays — none of it changes the numbers.
TRC-20 USDT confirms in seconds to about 2 minutes. ERC-20 takes 1–3 minutes. After confirmation, converting and withdrawing naira on Monica takes under 60 seconds. Door to door: usually under 10 minutes from anywhere on earth.
A verified Monica.cash account — BVN or NIN plus a selfie, about 4 minutes — and any Nigerian bank account for the naira.
About $1 in network fees on TRC-20. Monica charges 0% to receive, convert, and withdraw.
Seconds to a few minutes for on-chain confirmation, then under 60 seconds from conversion to bank alert — 24/7, weekends included.
0% fees on the Nigeria side. Live market rate. Every Nigerian bank.
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