Remote workers with foreign employers face a recurring version of the remittance problem — and the same rail solves it. Employers already paying contractors in stablecoins (common in tech) just need your address; employers on traditional payroll can pay via a crypto payroll provider. Your side: convert monthly expenses to naira on payday, keep savings in USDT against naira movement, and export your Monica history for records. For contract compliance, note the arrangement in your agreement and handle PAYE/self-assessment obligations as applicable.
Give your employer a USDT address from your verified Monica account as your payment endpoint. Salary arrives in minutes each cycle; you convert what you need at the live rate and can hold the rest as dollars.
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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