Convert USDT on any supported network and receive naira to your Optimus account in 60–180 seconds.
Direct payout to Optimus • 60–180 seconds typical clearing
Optimus Bank clears Monica payouts via NIBSS reliably. The flow on Monica is the same regardless of bank — what differs is the timing on the bank side. Optimus sits in the tier-2 bank category, with typical clearing of 60–180 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Optimus, 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 on-chain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Optimus account, type the amount. NIBSS clears in 60–180 seconds.
Monica auto-verifies the account name when you add a Optimus 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 60–180 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 Optimus 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.
"Tested with a tiny amount because I no dey trust crypto apps. It paid out before I finished doubting it."
"I run a small business and move money through here weekly. Zero failed payouts so far."
"Verification took a few minutes and that was it. Smooth since — ETH to GTBank, done."
"Honestly the most stress-free way to turn SOL to naira in this country right now."
60–180 seconds typical clearing. Optimus Bank clears Monica payouts via NIBSS reliably.
No. Monica charges 0% on all bank withdrawals including Optimus. The amount you see in the withdrawal screen is the amount that hits your Optimus account.
Standard CBN limits apply. Higher limits available for verified business accounts — common for traders moving large USDT volumes for supplier payments.
Yes. Optimus processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Optimus clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Optimus can request higher daily limits via Monica support.
That's a Optimus 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 Optimus from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Among the tier-1 commercial banks, Optimus clears in 60–180 seconds. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5-10 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 Optimus account, deposit crypto, withdraw naira in 60–180 seconds.
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