Convert USDT on any supported network and receive naira to your Branch account in 10–30 seconds.
Direct payout to Branch • 10–30 seconds typical clearing
Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Branch sits in the digital bank category, with typical clearing of 10–30 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Branch, enter your account number. Auto-verified in seconds.
From your external wallet, send USDT 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 Branch account, type the amount. NIBSS clears in 10–30 seconds.
Monica auto-verifies the account name when you add a Branch 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 Branch 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.
"My client abroad pays me in USDT. I cash out here and the rate is exactly what I see no hidden charges."
"Left Luno after they delayed my payout for days. With Monica the money just enters, no story."
"Used three other apps before this. Only Monica pays out instantly without surprise deductions."
"Support actually replied on WhatsApp and sorted my issue the same day. Rare these days."
10–30 seconds typical clearing. Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users.
No. Monica charges 0% on all bank withdrawals including Branch. The amount you see in the withdrawal screen is the amount that hits your Branch account.
₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Yes. Branch processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Branch clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Branch can request higher daily limits via Monica support.
That's a Branch 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 Branch from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Yes Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users.
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 Branch account, deposit crypto, withdraw naira in 10–30 seconds.
Download Monica