Nigerian healthcare workers in the NHS and private care sending regular family support — the route that fits how this money actually moves.
Night-shift schedules don't match remitter support hours; monthly sends of £300–£1,000 lose £15–£60 to fees and rate margins; family emergencies happen on weekends.
GBP to USDT on an FCA-registered exchange (Kraken, Coinbase), then to the family's Monica address — total cost about $1, works at 3am after a shift, and the family receives at the live naira rate.
Your family member (or you, on the Nigeria side) downloads Monica from Google Play or the App Store and completes KYC — BVN or NIN plus a selfie, about 4 minutes.
Inside the app, choose USDT and pick a network — TRC-20 is the popular choice for remittance because the network fee is about $1 and confirmation takes seconds to a couple of minutes.
From any exchange or wallet abroad — Coinbase, Kraken, Binance, Bybit, or a self-custody wallet — send USDT to the Monica address. The blockchain doesn't care about borders, weekends, or banking hours.
Once the deposit confirms on-chain, naira credits the Monica balance at the live rate. Bank withdrawal completes in under 60 seconds — Opay, Kuda, GTBank, Zenith, all Nigerian banks.
"First time I tried it I sent just $20 to test. It worked so fast I sent the real $800 immediately after."
"I japa'd two years ago. Every app I tried had limits or delays. USDT plus Monica is the only route that has never failed me."
"I compared everything — Ria, bank wire, even cash with travellers. Stablecoin transfer beat all of them on cost and speed."
"My daughter in the UK sends USDT now instead of Remitly. The naira lands in my Zenith Bank the same hour — no queue, no agent, no story."
Nigerian healthcare workers in the NHS and private care sending regular family support.
Night-shift schedules don't match remitter support hours; monthly sends of £300–£1,000 lose £15–£60 to fees and rate margins; family emergencies happen on weekends.
GBP to USDT on an FCA-registered exchange (Kraken, Coinbase), then to the family's Monica address — total cost about $1, works at 3am after a shift, and the family receives at the live naira rate.
A verified Monica account — BVN or NIN plus a selfie, about 4 minutes — and any Nigerian bank account.
About $1 in network fees per transfer, any size. 0% platform, conversion, and withdrawal fees on the Nigeria side.
Yes. Following the CBN's December 2023 reversal of the 2021 banking restriction and the SEC's Virtual Asset Service Provider (VASP) framework — with provisional licences issued to Nigerian exchanges from August 2024 — receiving and converting stablecoins is legal in Nigeria.
The setup is the slow part — 4 minutes, once. Every transfer after that takes two.
Download Monica