Send BTC to your Monica wallet, receive naira to your Opay account in 5–10 seconds. The fastest BTC-to-Opay flow in Nigeria.
Direct payout to Opay • 5–10 seconds typical clearing
Opay's NIBSS integration is one of the fastest in the country. Most Monica users withdraw to Opay specifically because of the near-instant clearing. The flow on Monica is the same regardless of bank — what differs is the timing on the bank side. Opay sits in the digital bank category, with typical clearing of 5–10 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Opay, enter your account number. Auto-verified in seconds.
From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.
Once on-chain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Opay account, type the amount. NIBSS clears in 5–10 seconds.
Monica auto-verifies the account name when you add a Opay account. If the name doesn't match, the system blocks the save — preventing payouts to wrong accounts before they happen.
If a NIBSS transfer takes longer than 5–10 seconds, the funds are guaranteed by the rail itself. Worst case: the amount reverses to your Monica balance within 24 hours and you can re-attempt.
If Opay restricts your account independently (PND, BVN issue, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.
Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.
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5–10 seconds typical clearing. Opay's NIBSS integration is one of the fastest in the country. Most Monica users withdraw to Opay specifically because of the near-instant clearing.
No. Monica charges 0% on all bank withdrawals including Opay. The amount you see in the withdrawal screen is the amount that hits your Opay account.
₦5,000,000/day default. Higher limits available for verified business accounts — common for traders moving large USDT volumes for supplier payments.
Yes. Opay processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Opay clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Opay can request higher daily limits via Monica support.
That's a Opay matter, not a Monica one. If a withdrawal fails because your bank account is restricted, the naira returns to your Monica balance and you can withdraw to a different bank.
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Opay from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Yes — Opay's NIBSS integration is one of the fastest in the country. Most Monica users withdraw to Opay specifically because of the near-instant clearing.
Monica works with every NIBSS-connected bank in Nigeria — every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Add your Opay account, deposit crypto, withdraw naira in 5–10 seconds.
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