Share Monica, and when your referral completes a BTC transaction, ₦3,000 lands in your balance. Plus a daily leaderboard for active users.
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.
Open Referrals in the Monica app and copy your personal link.
WhatsApp, X, status — anywhere your people are.
Your referral signs up, verifies (BVN/NIN + selfie, ~4 minutes) and completes a BTC transaction.
Credited to your Monica balance per referred BTC transaction — spend it on airtime, bills, or convert as you like.
Share your referral link from the app. When someone signs up through it, verifies, and completes a BTC transaction, you earn ₦3,000 — per referred BTC transaction, credited to your Monica balance. Your friend gets a working crypto-to-naira app; you get paid for the introduction. Full terms, eligibility and any caps are in the app's referral section and terms & conditions.
Beyond referrals, Monica runs a daily rewards leaderboard: the most active converters and referrers each day earn bonus rewards, reset every 24 hours. Standings and prize details live in the app — no signup needed beyond your existing account.
Among Nigerian crypto apps with published referral programs, Monica's ₦3,000-per-BTC-transaction reward is the largest we're aware of as of July 2026 — most competitors pay ₦500–₦1,000 one-time. Rewards are bonuses, not income: amounts depend entirely on real activity by real referred users, and abuse (self-referrals, fake accounts) forfeits rewards per the terms.
₦3,000 for each referred user's completed BTC transaction, credited to your Monica balance. Full terms and any caps are in the app.
Rewards credit automatically once the referred BTC transaction completes — no manual claims.
Invite as many people as you like; per-user and per-period caps (if any) are stated in the in-app terms.
A 24-hour rewards competition for the most active users — top spots earn bonus rewards daily. Standings are in the app.
No — referrals must be new, verified users who sign up through your link.
Rewards are promotional bonuses, not income or earnings guarantees. They depend on real activity by the people you refer. For tax questions, consult a professional.
Self-referrals, fake or duplicate accounts, and incentivized fake activity forfeit rewards under the terms.
In the Monica app: Settings → Referrals. Your link and live earnings tracker are there.
Convert at the live rate, then spend without leaving Monica. 0% conversion fees, 500,000+ Nigerians.
Download Monica