TRC-20 or ERC-20 for Sending USDT to Nigeria?
Short answer: TRC-20. The network fee is about $1 (vs $2 to $10+ gas on ERC-20) and confirmation takes seconds to 2 minutes. Monica accepts both, plus BEP-20 and Solana, but TRC-20 is the remittance default.
The rule: match the network on both sides. If the sender withdraws on TRC-20, the receiver must share their TRC-20 address (Monica shows one address per network, clearly labelled). ERC-20 is fine when the sender's platform makes it cheap. Solana and BEP-20 are excellent low-fee alternatives. What matters is the match, not the choice, and for pure cost and speed, TRC-20 wins most days.
Common Follow-Ups
TRC-20 or ERC-20 for Sending USDT to Nigeria?
TRC-20. The network fee is about $1 (vs $2 to $10+ gas on ERC-20) and confirmation takes seconds to 2 minutes. Monica accepts both, plus BEP-20 and Solana, but TRC-20 is the remittance default.
What does the receiver in Nigeria need?
A verified Monica.cash account, your NIN plus a selfie, about 4 minutes, and any Nigerian bank account for the naira.
What does it cost?
About $1 in network fees on TRC-20. Monica charges 0% to receive, convert, and withdraw.
How fast is it?
Seconds to a few minutes for the network to confirm, then under 60 seconds from conversion to bank alert, 24/7, weekends included.
Money home in minutes
0% conversion fee on the Nigeria side. Live market rate. Every Nigerian bank.