The one-call setup script that works: (1) they install Monica from the official app store while you watch; (2) verification — they'll need their BVN or NIN handy and good lighting for the selfie; (3) open the USDT wallet, choose TRC-20, and have them WhatsApp you the address from their phone (so you know it's really theirs); (4) you send $10; (5) when it lands, watch them do the conversion and bank withdrawal themselves — the confidence from doing it once is the whole game. Common snags: BVN name mismatches (use exactly the bank-registered name) and low phone storage.
Walk them through Monica setup on a video call (install → BVN/NIN verify → share address — about 10 minutes total), send a $10 test, and show the two-tap conversion. After that first call, every transfer is automatic on their side.
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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