Convert USDT on any supported network and receive naira to your Carbon account in 5–20 seconds.
Direct payout to Carbon • 5–20 seconds typical clearing
Carbon (formerly Paylater) is a digital lending and banking platform. Monica payouts clear nearly instantly via NIBSS. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Carbon sits in the digital bank category, with typical clearing of 5–20 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Carbon, 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 Carbon account, type the amount. NIBSS clears in 5–20 seconds.
Monica auto-verifies the account name when you add a Carbon 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 5–20 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 Carbon 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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5–20 seconds typical clearing. Carbon (formerly Paylater) is a digital lending and banking platform. Monica payouts clear nearly instantly via NIBSS.
No. Monica charges 0% on all bank withdrawals including Carbon. The amount you see in the withdrawal screen is the amount that hits your Carbon account.
₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Yes. Carbon processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Carbon clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Carbon can request higher daily limits via Monica support.
That's a Carbon 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 Carbon from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Yes Carbon (formerly Paylater) is a digital lending and banking platform. Monica payouts clear nearly instantly via NIBSS.
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 Carbon account, deposit crypto, withdraw naira in 5–20 seconds.
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