Send BTC to your Monica wallet, receive naira to your Rubies account in 10–30 seconds. The fastest BTC-to-Rubies flow in Nigeria.
Direct payout to Rubies • 10–30 seconds typical clearing
Rubies Bank (now Highstreet MFB) clears Monica payouts via NIBSS in under 30 seconds. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Rubies sits in the digital bank category, with typical clearing of 10–30 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Rubies, 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 onchain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Rubies account, type the amount. NIBSS clears in 10–30 seconds.
Monica auto-verifies the account name when you add a Rubies 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 10–30 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 Rubies 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.
"I run a small business and move money through here weekly. Zero failed payouts so far."
"Money no dey delay. That is all I want from a crypto app, and Monica delivers."
"Good app overall. I wish they added even more coins, but the payout speed makes up for it."
"Was sceptical at first sha. Did a small test, naira landed instant. I dey use am every week now."
10–30 seconds typical clearing. Rubies Bank (now Highstreet MFB) clears Monica payouts via NIBSS in under 30 seconds.
No. Monica charges 0% on all bank withdrawals including Rubies. The amount you see in the withdrawal screen is the amount that hits your Rubies account.
₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Yes. Rubies processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Rubies clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Rubies can request higher daily limits via Monica support.
That's a Rubies 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 Rubies from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Yes Rubies Bank (now Highstreet MFB) clears Monica payouts via NIBSS in under 30 seconds.
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 Rubies account, deposit crypto, withdraw naira in 10–30 seconds.
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