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 — transfer apps, 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 using a transfer service. 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