For e-commerce or social-commerce seller with international buyers — the cleanest crypto-to-naira route in Nigeria.
Foreign buyers paying in crypto for digital goods, drop-shipping, or services. Need to convert quickly so the naira is available for inventory or supplier payments.
Nigerian online sellers — Etsy shops, dropshipping operators, digital product creators — increasingly accept crypto from international customers. The cashout has historically been a bottleneck.
Treat your Monica address as a standing payment endpoint. Plug it into Stripe-alternative or direct invoicing. Naira hits your bank automatically.
Download from Google Play or App Store. Complete one-screen KYC (BVN/NIN + selfie, ~4 minutes).
Choose USDT (most common for this use case). Copy the permanent address and save it.
Share your Monica address with the sender (client, employer, sponsor, family). Crypto deposits typically confirm in 30s to 3 minutes.
Once confirmed, naira credits to your Monica balance at live rate. Withdraw to your bank — Opay, Kuda, GTBank, Zenith, all banks supported.
"Honestly thought 0% fees was marketing nonsense until I checked the maths on three transactions."
"Tried four crypto apps before this one. Only Monica actually pays out instantly without surprise charges."
"Sent 12000 BNB to my Monica wallet on a Sunday night. Naira hit my First Bank account before I could finish making tea."
"Paid my supplier in Guangzhou with USDT, cashed the next batch into Monica. Whole loop took 6 minutes."
Treat your Monica address as a standing payment endpoint. Plug it into Stripe-alternative or direct invoicing. Naira hits your bank automatically. The same flow that works for any Monica user — deposit crypto to a permanent address, naira credits at the live rate, withdraw to your Nigerian bank in seconds.
USDT, USDC, BTC. All major networks supported. The most common choice for this persona is USDT.
₦200,000–₦8,000,000 monthly typical. Monica handles all of these — verified accounts have ₦50M/24h default limits with higher available on request.
Sub-60 seconds typical. Digital banks (Opay, Kuda, Moniepoint) clear in 5–10 seconds; tier-1 commercial banks (GTBank, Zenith, Access) clear in 30–60 seconds via NIBSS.
No. 0% fees apply universally on Monica. Only on-chain network fees (paid to validators/miners) apply, and those exist on any platform.
Monica is Nigerian-focused — the conversion is to naira, the bank withdrawal is to Nigerian banks. The crypto deposit can come from anywhere globally.
Yes. Following the CBN's December 2023 reversal of the 2021 banking restriction and the SEC's VASP framework, crypto-to-naira conversion is legal across Nigeria.
In-app live support is 24/7 with average two-minute response. Common questions for this use case are well-handled.
0% fees, sub-60s payouts, all Nigerian banks. Built for the situations Nigerians actually face.
Download Monica