Receive USDT to Opay, Remittance Payout in Seconds
Opay, the digital wallet most remittance receivers already use daily. Money from abroad, straight to your account at the live rate.
How USDT Reaches Your Opay Account
Someone abroad sends USDT to your permanent Monica deposit address, from any exchange, any country, any time. When the deposit confirms on the network (seconds to a couple of minutes on TRC-20), you convert at the live USDT/NGN rate and withdraw. The naira lands in Opay in 5 to 10 seconds typical, riding the same NIBSS instant rails as any local transfer. The sender never needs your Opay details, and you never need a domiciliary account.
Why Receivers Pick This Route
Cost: the whole chain costs the sender about $1, against the 8.8% World Bank average for traditional remittances. Rate: conversion happens at the live market rate, not a remitter's payout rate. Control: money arrives as dollars (USDT) and you decide when to convert, which many families use to hold value against naira moves. And it works at 3am on a Sunday exactly as well as Tuesday noon.
FAQ, USDT to Opay
Can I withdraw remittance USDT to Opay?
Yes. Convert USDT to naira on Monica at the live rate and withdraw directly to your Opay account, payout typically completes in 5 to 10 seconds typical after you tap withdraw.
How fast is the Opay payout?
5 to 10 seconds typical after conversion. The transfer rides NIBSS instant rails, the same system Opay uses for regular instant transfers.
Are there fees?
0% conversion fee and 0% withdrawal fee on Monica. The only cost in the entire remittance chain is the sender's ~$1 network fee.
Does the sender need to know my Opay details?
No, that's a nice property of the route. The sender only ever sees your USDT address. Your Opay account details stay inside your own Monica app.
What rate do I get?
The live USDT/NGN market rate displayed at the moment you convert. No remitter markup.
Can I also use other banks alongside Opay?
Yes. Monica supports withdrawal to every on NIBSS Nigerian bank and wallet, add as many payout accounts as you like.
USDT in, Opay alert out
0% conversion fee on the Nigeria side. Live market rate. Setup takes about 4 minutes.