NEPA, DSTV, airtime, data, betting — deposit crypto once and settle every bill from one app. 0% conversion fees.
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 Bills in the app: electricity, cable TV, airtime, data, water, internet or betting wallet.
Enter the meter/smartcard/phone number and confirm. Tokens and top-ups deliver in minutes, 24/7.
| Bill | Providers | Delivery | Guide |
|---|---|---|---|
| Electricity | All 12 DISCOs — Ikeja, Eko, AEDC, IBEDC, PHED, EEDC, KEDCO, KAEDCO, JED, BEDC, YEDC, APLE | Prepaid token in minutes | Electricity guide |
| Cable TV | DSTV, GOtv, Startimes — all packages | Instant renewal | TV guide |
| Airtime | MTN, Airtel, Glo, 9mobile | Instant top-up at 3% off face value | Airtime guide |
| Data | All networks, all bundle sizes | Instant delivery | Data guide |
| Betting wallet | Bet9ja, SportyBet, BetKing + more (18+) | Bank-transfer speed | Betting guide |
| Water & internet | State water boards, Smile, Spectranet | Same day | In the app |
| Step | Cost on Monica |
|---|---|
| Crypto → naira conversion | 0% (live market rate, no spread) |
| Bill payment / top-up | ₦0 service fee; airtime at 3% off face value; data at discounted in-app rates |
| Only unavoidable cost | The blockchain network fee on your deposit (varies by chain; ~$1 on TRC-20) |
Is this legal? Yes — Monica operates within Nigeria's SEC Virtual Asset Service Provider framework. The conversion is crypto-to-naira; the bill is paid in naira like any other payment.
Yes. On Monica you deposit BTC or USDT, it converts to naira at the live rate in under 60 seconds after on-chain confirmation, and you pay NEPA/DISCO electricity, DSTV, GOtv, Startimes, airtime, data and more inside the same app.
Electricity (all 12 Nigerian DISCOs), cable TV (DSTV, GOtv, Startimes), airtime and data on all networks, water, internet, and betting wallet funding (18+). USDT converts to naira first; the bill is settled in naira instantly.
0% conversion fee, ₦0 bill-payment service fee. Airtime and data come at discounted rates (shown in-app). The only unavoidable cost is your deposit's blockchain network fee — about $1 on TRC-20.
USDT on TRC-20 confirms in seconds to ~2 minutes; conversion plus payment takes under a minute after that. Realistic total: under 5 minutes from wallet to paid bill.
Yes. The crypto leg is a lawful conversion under the SEC's VASP framework; the payment leg is an ordinary naira transaction.
No — bills are paid straight from your Monica naira balance. A bank account is only needed if you want to withdraw cash.
Yes. Deposit BTC, wait for confirmation (10–30 minutes typical for Bitcoin), then buy the prepaid token — it arrives in minutes with the token number in-app.
Failed bill payments are automatically reversed to your Monica balance, and in-app support runs 24/7 in English, Pidgin, Hausa, Yoruba and Igbo.
You can re-pay saved billers in two taps; recurring auto-pay is rolling out — check the app.
If your money starts as crypto, Monica removes the extra hop: no exchange-then-withdraw-then-pay. One confirmation, one app, done — and the conversion itself is 0%.
Convert at the live rate, then spend without leaving Monica. 0% conversion fees, 500,000+ Nigerians.
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