Deposit USDT on any network and get Naira automatically. TRC20, ERC20, BEP20, Polygon, Solana all supported with zero deposit fees. Best rates in Nigeria guaranteed.
Monica is the smartest way for Nigerians to convert USDT Tether to Naira. Whether you receive USDT as payment for freelance work, earn it from trading, or use it to store value during Naira volatility, Monica makes cashing out simple. No peer to peer drama, no vendor negotiations, no waiting. Just send USDT and get Naira.
Unlike other platforms charging fees for USDT deposits, Monica accepts USDT on TRC20, ERC20, BEP20, Polygon, and Solana networks completely free. Zero deposit fees means you keep more of your money. Compare that to platforms charging $1 to $5 per deposit.
Got USDT on Tron TRC20? We support it. USDT on Ethereum ERC20? Send it. Binance Smart Chain BEP20? No problem. Polygon network? Covered. Solana USDT? We handle that too. One platform for all your USDT regardless of network.
Send USDT to your Monica wallet address and watch it convert to Naira automatically within minutes. No manual approval, no vendor matching, no waiting hours for someone to accept your trade. The moment your USDT confirms, you get Naira.
Real time rates based on global USDT prices and Nigerian Naira exchange rates. Updated every 60 seconds. No hidden markup, no stale prices. You always get fair market value for your USDT. Check our live calculator anytime.
After your USDT converts to Naira, withdraw to any Nigerian bank completely free. GTBank, Access Bank, First Bank, Zenith Bank, UBA, all supported with zero withdrawal fees. Your Naira arrives in minutes not hours.
Monica operates in full compliance with Securities and Exchange Commission regulations. Your USDT deposits are secure and protected. We are not some random platform that will disappear overnight. We are here to stay and protect your money.
All networks supported with free deposits. Pick the one that works best for you.
Get Monica from App Store or Google Play. Sign up with email and password. Verify your email. Takes 2 minutes total.
Go to deposit section. Choose USDT and select your preferred network (TRC20, ERC20, BEP20, Polygon, or Solana). Copy your deposit address.
From your external wallet like Binance, Trust Wallet, or any crypto wallet, send USDT to your Monica address. Make sure you select the same network.
Once your USDT confirms on the blockchain, Monica converts it to Naira instantly and credits your balance. Withdraw to your bank free.
All USDT networks are supported on Monica with free deposits, so choose based on your needs. TRC20 Tron is recommended for most users because it has very low network fees and fast confirmation. If you are sending from Binance, BEP20 is convenient. For maximum security with large amounts, use ERC20 Ethereum. All networks work the same way on Monica and convert to Naira automatically.
This is very important. You must send USDT to the correct network address. If you select TRC20 in Monica but send ERC20 USDT, your funds will be lost and cannot be recovered. Always double check that you are sending USDT on the same network as the deposit address you copied from Monica. When in doubt, send a small test amount first.
TRC20 USDT typically confirms in 1 to 2 minutes and converts to Naira immediately after. ERC20 and BEP20 take 3 to 5 minutes. Polygon is usually under 1 minute. Once the blockchain confirms your USDT transaction, Monica automatically converts it to Naira and credits your balance within seconds. Total time from sending USDT to having Naira is usually under 10 minutes.
You can convert any amount of USDT on Monica. There is no minimum deposit. Whether you have 5 USDT or 5000 USDT, send it and it will be converted to Naira. However, keep in mind the blockchain network fees when sending small amounts. TRC20 fees are usually under $1 so it is practical even for small USDT amounts.
Yes absolutely. Many Nigerian freelancers use Monica to receive USDT payments from international clients. Give your Monica USDT deposit address to clients on Upwork, Fiverr, or direct contracts. When they send USDT payment, it automatically converts to Naira in your Monica balance. You can then withdraw to your Nigerian bank or use it to pay bills. This saves the hassle of converting crypto on multiple platforms.
Monica uses real time global USDT prices combined with current Nigerian Naira exchange rates. The rate updates every 60 seconds to reflect market conditions. As of now, 1 USDT converts to approximately ₦1,580 Naira, but check the app or our live calculator for the exact current rate. There is no markup or hidden fees, you get the true market rate.
Yes, Monica supports both USDT and USDC on all networks with free deposits. USDC is another stablecoin pegged to the US dollar similar to USDT. If you receive payments in USDC or prefer using USDC, Monica handles it the same way as USDT with automatic conversion to Naira. Both stablecoins work great for freelancers and anyone needing to convert dollars to Naira.
After USDT converts to Naira in your Monica balance, you have many options. Withdraw to any Nigerian bank for free. Pay electricity bills, buy airtime with 3% discount, purchase internet data, pay for TV cable subscriptions, bet on sports, get virtual dollar cards for $3, or send money to other Monica users using Monica tag. Monica is not just for conversion, it is a complete digital wallet for Nigerians.
Free deposits on all networks. Best rates in Nigeria. Instant automatic settlement. Join 450,000+ users.
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